Date Received: 2022-12-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of XXXX I started a payment plan with true record to start in XX/XX/2022. On XX/XX/XXXX I received a letter from a law firm, referencing the true record debt that I made a payment plan on. The letter references the payment excepted with regards to the payment arrangement. I made with true accord, and also references that I do not have a formal payment plan set up. The attached information states otherwise. I was not informed that the debt was sold and trick. Our currently reports to my credit report.
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This debt has passed the statute of limitations and is not on my report, but this company has contacted me via email and threatened to sue me for a debt that I believe is no longer valid. I live in California and I believe this debt no longer applies. But this company emailed me and threatened to sue me.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute 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 i made. I am alleging that a person or company without my authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the FTS.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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: In accordance with the Fair Credit Reporting Act the following companies LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by LVNV FUNDING, LLC. While checking my credit report, it came to my notice that LVNV FUNDING has furnished an account ACCOUNT # XXXX on my Consumer Reports. Even more disturbing, they have been found to not have the authority to collect from the state of Pennsylvania as they are not licensed nor registered in XXXX They even came to a court hearing I had no recollection of for XXXX out of the XXXX accounts and do not have authority to collect in this state. Here are the rest of what this company does and need to fall into Law. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by COMPANY NAME will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or LVNV FUNDING, LLC, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. LVNV FUNDING needs to be deleted immediately.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lunv funding is reporting on my credit account and it was the result of a Id theft account and most stop collections attempt
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A