Date Received: 2022-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was affected by XXXX and do not own this company. I have XXXX XXXX as my electrical provider now and if I owe why am I still doing business with them with no knowledge of a past-due balance? I never received a bill and feel I do not owe anything because I was effect by a natural disaster. The dwell at the time was consumed in 8 feet of water. Please remove it from my credit report. Please see the attached documents and I can provide more information from XXXX.
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC sent two letters stating I owe on XX/XX/2022. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 1. One account states current balance due is {$2100.00} 2. One account states current balance due is {$1300.00}
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I advised I had no account with them XXXX nor did I have a contract with them .and to please provide documents to me. They said you dont have a account but u owe us because we bought your account from another company.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account has been paid
Company Response:
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I mailed out a certified letter to LVNV Funding regarding an alleged debt that they claim that I owe. I sent them a cease and desist letter in regards to the alleged debt. They received the letter on XX/XX/2022, according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Im filing this complaint against XXXX XXXX XXXX XXXX XXXX for failure to adhere to FDCPA guidelines. XXXX XXXX XXXX XXXX XXXX fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from XXXX XXXX XXXX XXXX XXXX. In accordance with sos.ms.gov ; XXXX XXXX XXXX XXXX XXXX is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. XXXX XXXX XXXX XXXX XXXX has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which XXXX XXXX XXXX fell to provide all requested documentation. LVNV Funding knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to XXXX XXXX XXXX XXXX XXXX. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. XXXX XXXX XXXX only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. XXXX XXXX XXXX XXXX XXXX, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( XXXX XXXX XXXX XXXX XXXX ), forfeiting the rights of collection. XXXX XXXX XXXX XXXX XXXX has violated multiple law under the FDCPA, I'm truly loss for words. XXXX XXXX XXXX XXXX XXXX has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: PYOD LLC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reason to believe PYOD LLC had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and Racketeer Influenced and Corrupt Organizations ( RICO ) act. PYOD LLChas not attempted to lawfully validate this alleged debt prior to furnishing this false trade-line to nonaffiliated third parties as ana attempt to jeopardize mu consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. The furnishing of this false tradeline violates the FCRA. I am demanding PYOD LLC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. PYOD LLC is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. If PYOD LLC can prove this extension of credit is in fact a debt as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. IF your enterprise does not have prior approval from any legislative branch of government in this united states your company is knowingly in violation o the False Claims act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, PYOD LLC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the RICO act 18 USC 894. Although your enterprise my have lawfully purchased the debt you are not exempt from any legal consequences as your activities have not been in accordance with the FDCPA, you should be also aware that your company will held responsible if youre at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal collection activity and to remove this fraudulently furnished tradeline from my consumer credit report immediately or I will follow up with a complaint with the FTC and my states attorney general and move to file suit in federal court.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My identity has been stolen. I have multiple accounts and multiple addresses and phone numbers that are not mines!
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Fair credit reporting act 15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is inaccurate in many ways. I have previously reached out to LVNV FUNDING and the are in violation of law 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 2a ) ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report too Enclosed are the following : The fraudulent items are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A