Date Received: 2022-07-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Racketeer Influenced and Corrupt Organizations Act all party ( XXXX ) mentioned are involved in such activities.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
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: Greetings & To Whom It May Concern : **Certified mail slips purposely left out due to upload restrictions. Available upon request. ** Upon sending inquiries via certified mail ( with confirmation stating it had been received ) to XXXX, XXXX, XXXX XXXX LVNV to request removal of inaccurate information on my consumer report, as well as proof requesting all information was valid - I received notices alleging all information was accurate, and my accounts were properly investigated but this is not factual, which has prompted me to reach out in hopes of gaining assistance. The multitude of inaccuracies on my reports are as follows : Personal Information - at least 5 inaccurate errors - Also Known As - Date of Birth - Current Address - Previous Address -Employers Debt Collection Agency -LVNV - over 100 inaccurate errors -Creditor Name - Account Type -Account Type Detail -Bureau Code -Account Status - Monthly Payment -Date Opened - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History This is a serious matter constituting action for removal. I am reaching out with the intention to obtain support for rectification, as these actions have negatively affected my ability to apply for credit, successfully purchase a home, and have led to limitations with my overall credibility. Ive respectfully asked for this information to be removed from my account, and as of my latest consumer report from XXXX XXXX, the changes have yet to be made. XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/2022 at XXXX PM with XXXX tracking # XXXX. XXXX received the notice of personal information update from me on XX/XX/2022 at XXXX PM with XXXX tracking number # XXXX. XXXX received the notice of personal information update on XX/XX/2022 at XXXX PM with XXXX tracking number # XXXX. LVNV received the notice of personal information update on XX/XX/2022 at XXXX AM with XXXX tracking number # XXXX. In the included PDF is evidence that I had made a concerted effort to resolve these inconsistencies on my report. Even with my genuine efforts of communication adhering to this situation, LVNV still sent correspondence letters of verification, and did so in XXXX pertaining to one of my accounts. I am a XXXX XXXX speaker, and have never communicated with them in XXXX. This alone is grounds for removal. I am considerately making contact with the understanding that you will be able to assist me in clearing up this situation. Violations : 15 U.S.C 1681i ( 2 ) ( A ) - Reinvestigation of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C 1681i ( 6 ) ( A ) ( B ) - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 15 U.S.C 1681i ( 7 ) - Description of reinvestigation procedure ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Thank you kindly for taking a moment to read this message of concern regarding my report, I am confident and hopeful in your helping hand. With Sincerity, XXXX
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX, Resurgent Receivable, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? Reporting a debt as charged off, when it was settled or paid off. Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/202XXXX XXXX Account ID : XXXX Confirmation Number : XXXX
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This not mine.
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv funding is showing on my credit report claiming I owe {$770.00} do not know company and do not owe debt
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with LVNV & XXXX XXXX XXXX, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched XXXX XXXX XXXX and LVNV and found they have countless complaints. XXXX XXXX XXXX was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with XXXX XXXX XXXX for documentation, she said " That's not how it's done. ''
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$1300.00} XXXX XXXX {$93.00} I have made online disputes, letter disputes and also sent a consumer fraud reports to the FTC & all bureaus & now making complaints to the CFPB to have these Removed.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX AT XXXX XXXX XXXX, XXXX, SC XXXX Has been sending me collection notices in the amount of XXXX. The collection has been reported as " open '' and with a " past due '' balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A