Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of multiple data breaches resulting in identity theft. Not able to login to XXXX, XXXX, XXXX. Been receiving email alerts my credit score dropping weekly due too inquiries. Credit Reporting Agencies have incorrect addresses, ssn #, phone numbers, names. Four credit cards have been opened using some of my information. This has been happening for 5 years. Disputed items on credit report with Lvn Funding. The information according to XXXX XXXX has a address in Michigan. I have never lived in Michigan. They have failed to provide sufficient explanation of how they verified this information. I have never signed Contract with lvn funding nor do I appreciate my personal information being distributed and has affected my inability to obtain credit. It is a embarrassment and humiliating to be called uncredited worthy for accounts I did not apply for. I have XXXX hard inquiries I have no idea who they involve or detail. Lvn funding states account {$590.00}, XXXX XXXX {$300.00}, XXXX XXXX {$180.00}.
Company Response:
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was opened fraudulently and I have reached out to the company this is actually my second dispute of this item as the information that was provided addressed me by my name, but the account was noted as belonging to XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. I have supplied this information to the company. I have also asked for certification that they can collect debts in Texas as they are a company based in South Carolina. Paper work needs to be signed so I have asked for the wet signature that was used to open this account and a complete record of charges and payment information showing which accounts paid for these charges because I have had the same bank for XXXX years being XXXX XXXX XXXX XXXX XXXX I do not bank with any other institution and do not feel I should have to work this hard to clear my name XXXX have been a detriment to me and I do not appreciate being dragged through the mud for simply trying to clear my name and my credit from fraudulent account. I have only had XXXX credit cards in my name belonging to capital XXXX. XXXX are not in compliance with the fair credit reporting act because if you simply dig a small amount of research you would see thats not even my name to begin with I have my birth certificate, my government issued driver license and yall still are presenting fraudulent information. As you can see there is a signature on my id that is my signature and any account I have ever opened has asked me sign my name so I would like to be provided with all information related to this account not just the information you think is relevant as your company never even allowed me the original dispute time to reach out to yall I didnt know this account existed until it appeared on my credit report as a charge off with your company I was able to remove it when it was with credit XXXX bank because even they knew they didnt have an account with my when I provided my info. The info you provided also lists a different address that does not and has not belonged to me XXXX is not my address so again I ask you to remove this fraudulent account please
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to formally report a case of identity theft and fraudulent activity involving an account opened with XXXX XXXX XXXX in the amount of {$1800.00}. I have recently begun receiving bills for this account, but I can confirm that I did not initiate or authorize this account. This is a clear case of fraud, and I am seeking assistance to rectify this situation and remove any adverse effects on my financial history. Creditor : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX XXXX Account Balance : {$1800.00}
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXXXXXX I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC. The original creditor is listed as XXXX XXXX with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX this amount they are claiming. On XX/XX/XXXXXXXX I received a letter dated XX/XX/XXXXXXXX from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX 20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.
Company Response:
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I told LVNV FUNDING To provide me with the contract between me and them where I have agreed to pay them any amount of money and they have refused to provide me with it, they keep telling me that this account is mine and that I have to pay them. I told them that this account was never opened by me but it seems like that doesnt matter to them at all. I filled out an identity theft report and I am attaching it to this complaint. XXXX is also telling me that they have verified this information which I know that isnt accurate. Also XXXX is reporting this XXXX account on my credit report that was not opened by me and I want them to do a complete investigation on this matter.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Resurgent Capital and XXXX XXXX XXXX have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Company Response:
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Resurgent Capital and LVNV funding llc have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Company Response:
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i have disputed information many times for removal, my request was to provide all statements with charges and balance information for XXXX thru XXXX due to being held in a XXXX XXXX XXXX XXXX my agreament was with XXXX XXXXXXXX not LVNV FUNDING
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon discovery after viewing my consumer report I see an alleged account reporting onto my credit report. I am requesting president XXXX XXXX & LVNV Funding LLC to send me verification - ( sworn under oath -28 USC 1746 ) of the name & address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding that LVNV Funding LLC cease all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed will result in legal action pursuant to 15 USC 1692k.
Company Response:
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A