Date Received: 2022-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this debt is not mine this account was unauthorized to be used or opened be me. I did not give any third party access to open this account. the original creditor ( XXXX XXXX ) has been contacted before posted date XX/XX/XXXX and has failed to contact me with any resolution to this issue. as of XX/XX/XXXX no updates has been made no contact from original creditor. account # : xxxx xxxx XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NC
Zip: 28630
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent/LVNV Funding have not given a legal contact between their company and myself stating that I promised to a pay them XXXX dollars nor any amount of money. I have not received any notification from their company, nor have I spoken with any representative of their company.
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV Funding LLC - {$860.00} I have disputed this unknown Debt with both the Collection Agency listed above and the original debt owner/ issuer listed on my credit report. I
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC Last reported XX/XX/XXXX {$920.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX I have no idea what either of these are? I have no account with them and have never had an account with them! After my spouse past XXXX mistaken him for me and from that point things were all jumbled up and I don't know if he had these bit si definitely did not... ..XXXX filed me deceased And he was the one and now im finding things I have no knowledge of on my credit report ... .please help me I have tried everything
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested at least 5 times verification and validation and I have not received proper info. They have sent my account to XXXX different companies and when I request verification, they send it back to original company ( Resurgent ). I believe they are playing with me and have violated my rights under, 15 U.S Code 1692b ( 5 ) 15 U.S code 1692c 15 U.S code 1692c ( a ) 15 U. S Code 1692d 16 U.S Code 1681 section 602 A They keep sending me the same copy of an statement from XXXX XXXX that does not prove anything. I have no contract with this company and therefore no obligation to pay this alleged debt. They can not send me the verification XXXX validation papers because they do not have it. Please advise. I want this company to close and remove this account from my credit reports as it is hurting me.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A