Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I cantity that I am permined by FEDERAL and STATE LAW to fie this dispute also understand that knowing and witful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621 This collection found within my credit report are not related to any transaction that made I am alleging that a person or company without my authorization-used my personal dentifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX account
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXXXXXX XXXX money. I never opened a XXXX XXXXXXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. This evening I received a garbage statement that tells me nothing. Nothing itemized, no contract with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a credit one account
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the federal credit reporting act, this creditors XXXX XXXX and LVNV Funding LLC have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions. Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: i had a debt in collections listed under the name LVNV FUNDINC LLC that i won the judgement against and had removed from my credit report in the amount of {XXXX Now this company is putting me back into collections again for the same XXXX} that i won a judgement against them for, but under a new company name listed as XXXX XXXXXXXX So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC is attempting to collect an alleged debt not owed to LVNV FUNDING LLC by me. See attached letter and proof of contact. LVNV FUNDING LLC shall immediately cease and desist any communication with me in the attempt to collect any debt. I plan to exercise my lawful constitutional rights should LVNV FUNDING LLC communicate with me in the attempt to collect any alleged debt. SEE ATTACHED LETTER TO LVNV FUNDING LLC.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Madam/Sir, CFPB : This matter is in regards to an unknown amount of money that this debt collector wants me to pay. I do not recognize where this amount comes from, and I have no knowledge of it. This Debt collector is braking Federal Laws in regards to impose to collect something that does not belongs to me. I will need legal information on this unknown matter. Trying to collect money from me, and I have no knowledge of this unknown debt. Also the name on this letter dated, XX/XX/2023, does not match my legal name. This debt collector writes a big amount of money to be paid to them. I can not pay anything to some body that is trying to collect money that I do not owe. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours XXXX XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this company alleges i owe them a debt but after numerous attempts to validate the alleged debt they refuse to answer validation questions. at this point the validation period is long over with a 30 day response window AND went un rebutted and this alleged debt is now illegally attempted to be collected. and they have violated FDCPA laws.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A