Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Date XX/XX/2023 Alleged account number XXXX. Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXX and XXXX, and resurgents these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked them in my previous letter to process a debt validation on this unknown alleged debt but they fail to provide any results. Therefore, I insist that they should delete this from their reord.
Company Response:
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV funding LLC Re Account ID : XXXX Misuse of information
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX GOT A HOLD OF ME CLAIMING TO BE THE SUCCESSOR OF A ALLEGED DEBT FROM XXXX. THEY STARTED A XXXX XXXX XXXXXXXX SUPREME COURT CASE AND CLAIMED THAT XXXX HAD GIVEN THEM THE DEBT. I INITIALLY TOOK OUT A HOME DEPOT CREDIT CARD AND WHEN THE PANDEMIC CAME I REQUESTED ASSISTANCE UNDER THE CARES ACT IN WHICH THEY IMMEDIATELY CLOSED MY ACCOUNT AND TRANSFERRED IT TO THE COMPANY HEREIN. IF THESE COMPANIES DID NOT HAVE A RIGHT TO REPRESENT XXXX THEN I NEED THAT IN WRITING FROM XXXX. The previous complaint filed was closed because they said that whoever did this was unauthorized to represent XXXX So please give me this in writing. I was ultimately dealing with attorneys alleging to represent LVNV funding. LLC. There was a great deal of threats made and eventually I felt as I had no choice but to pay this XXXX party money.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV, LLC sent me a notice of debt collection awhile back to the tune of maybe {$1200.00}. I didn't keep it because the debt wasn't real and I assumed it was just a fraud attempt. Thursday last week I was notified of a civil writ in XXXX XXXX, Nebraska against XXXX XXXX, XXXX at my address over the debt. I notified the county official via text that I'm XXXX XXXX, but not XXXX, and I haven't heard anything back from the county. I did however, get two letters from lawyers saying that the suit was from LVNV. From what I can tell, they screwed up the address, made no attempt to verify, and then jumped to a lawsuit. So the actual person being sued hasn't gotten any notice ( by mail, at least ). I'm just submitting this complaint because this negligent company didn't do its due diligence or research and is now potentially screwing up this other person 's credit.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I checked my credit report and noticed theres inaccurate information being reported on my account. I reached out to the collection agency and original creditor. This account is reporting and i dont have a contract with the collection agency nor proof of debt validation.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A