Date Received: 2022-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} RESURGENT XXXX XXXX/ LVNV XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX ( MISCELLANEOUS ) XX/XX/XXXX XXXX XXXX ( MISCELLANEOUS ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXXXXXX XXXX XXXX BANK ) XXXX XXXX XXXXXXXX XXXX XXXX FINANCE ) XX/XX/XXXXXXXX XXXX / XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX HOTEL AND TRAVEL ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX BANK ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Name : XXXX XXXX XXXX Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : LVNV FUNDING LLC Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Company Response:
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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: XXXX account closed paid as agreed. sold to collections agency
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The day of XX/XX/2021 ( LVNV funding LLC ) added a derogatory remark on my credit report per XXXX XXXX. This account is a fraudulent account and this account was never mind. Upon, further research this account was transferred/sold and I am NOT responsible for this fraudulent account. Debtors credit did not verify this collection. Also, there was NO written form of communication, contact or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( LVNV Funding LLC ) has violated my rights as a consumer and Im requesting legal action to remove this immediately
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXXXXXX sent me a letter stating I do not owe the debt and it would be erased from my credit report in full. I have the letter from XXXXXXXX XXXX XXXX stating that but they must have still sent it to a credit collections account that is report false information to my credit report. LVNV funding LLC I want this removed ASAP. This is reporting on my XXXX credit report as a collection account that shouldnt be there
Company Response:
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am constantly getting calls from LVNV Funding, and Resurgent from XXXX. I am sick of getting woken up on my only days off from work. I have changed my number twice and they still track me down.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXX Lied They Not Works For The Corp Office Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake Corp Office Stealing My Information.
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notice in the mail around XXXX of XXXX stating that I was to appear in court because I was being sued by a debt collector called XXXX Funding, original creditor XXXX, after I had recently attempted to dispute the negative account multiple times with all 3 credit bureaus. I submitted my answer letter to both the court and the debt collector, requesting validation and proof of the debt. I received a notice from the court stating that they needed more information from the debt collector before they could proceed with the case and allowed so much time for the creditor to submit proof. LVNV FUNDING Corp. failed to provide this information and the case was dismissed by the court in XXXX of XXXX failure to prosecute with due diligence. In my initial response I requested that this negative debt be removed from my credit reports. As of XX/XX/XXXX it was still showing up. I went back to the courts to make sure that the case was actually dismissed and closed and they assured me at that time that it was. I then contacted all 3 credit bureaus and initiated another dispute against the creditor and mailed the debt collector a certified letter with copies of the court papers received showing the dismissed case and again requesting the removal of the account from my reports. A few days later I began receiving multiple letters in the mail from the debt collectors own debt collector and the whole thing appears to be reopen again under the creditor name of Resurgent/LVNV FUNDING Corp .
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A