Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with LVNV Funding/ XXXX XXXX this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform LVNV funding / XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needs attention {$3000.00} LVNV FUNDING LLC Needs attention {$470.00} LVNV FUNDING LLC Needs attention {$460.00} Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding llc opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a Victim of identity theft, I notified the company lvnv associates, and resurgent about the ordeal I requested a cease and desist, I made a report with the frc Identity theft sent notice to the company, they repeatedly sent the same information to my address none which included what I asked for which was an original document with my signature on it. a copy of the document or anything something with my signature proving the that debt belongs to me, they have yet to furnish this paperwork, and they have repeatedly violated my cease and desist order by bombarding my email and home address with statements and payment plan offers. this has been on my report causing lots of damage to my home life and business life. It has made it almost impossible to secure a homer loan. causing marital problems ultimately causing the end of my marriage, my company struggles to stay afloat, with no one willing to give me a business line of credit due to my personal credit, I have even started the arbitration process
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am a victim of ID theft. I noticed on my credit report on approx XX/XX/2023 that I had late payments to a XXXX XXXX XXXX XXXX XXXX that I never applied for. XXXX XXXX claims they began an investigation but then proceeded to sell it to a collection agency in XX/XX/2023, while failing to notify me, no mail, no email, no phone call. I followed up in XX/XX/2023 with them and am hearing for the first time that they disagree with my ID theft claim because the address and phone match my records. I ask them why wasnt I notified and they claim they did notify me, which is inaccurate. XXXX has violated my rights with their XXXX XXXX XXXX team which is handling my case. They do not understand consumer protection laws like the FDCPA and wrongfully came to the conclusion I was not a fraud victim. My phone number was spoofed via sim swapping and my SSN along with address and License has been for sale on the dark web and I have a documented history of being a fraud victim.
Company Response:
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. these accounts online
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im in a debt consolidation with XXXX XXXX XXXX and on XXXX XXXX 2023,XX/XX/XXXX made a settlement offer for {$550.00}. They started receiving payments on XXXX XXXX 2023. It was reported to collections and appeared in derogatory marks.
Company Response:
State: SC
Zip: 29906
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Requested debt Validation, but never received
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I have received XXXX messages from Resurgent Capital Services claiming I owe money and sending me links to pay off my balance. I thought this might be a scam and have ignored it, but I looked into it and they seem to be a legitimate company. However, I dont have any outstanding debts and I even checked my credit reports to ensure that I was not mistaken. I have tried to block them several times and they keep contacting me by text message. I do not owe any money, do not have any loans, and I pay off all my credit cards in full every month. Im not sure if someone else has given my phone number to these debt collectors in attempt to steal my identity.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A