Date Received: 2023-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the Middle District of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was incarcerated from XX/XX/XXXX until XXXX of XXXX. Some time in XXXX, someone stole my identity and got many credit cards. They used up the cards and never paid. I was unaware of this until I was released in XXXX. I have contacted them MANY times, and the debt gets removed and then sold to another collection agency. I have sent them my incarceration proof, police report, and identifying documents so that they know it is me. I never receive anything back. I have attached files showing some of the letters I sent to them and also proof of my incarceration and a copy of the police report.
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have placed this collection on my credit selling repetitively from one collection agency to another after I told them that this i'snt my account!
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Third party debt collector has violated the fair debt collections practices act and is not the holder in due course and unable to verify the alleged debt under penalty of perjury.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. These are the account details : XXXX XXXX LVNV FUNDING 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 LVNV FUNDINGXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Yes ... I am disputing an collection account on my consumer report ... that has not verify the debt as belonging to me FCRA 15 us 1681 a ( 2 ) 15 US 1681 B ( A ) 1 2 15 US 6802 XXXX Should not be reporting until it verify the debt, inaccurate information is reporting on my consumer report.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: One company is LNLV which just keeps showing, XXXX regardless of the action I take and even a lawyer fixed it ( for an expensive fee ) and it appeared backed on the credit account. The second is XXXX XXXX insurance which I replaced with XXXX XXXX XXXX and both parties have the information, now XXXX caused numerous problems and a significant ( almost XXXX point drop in credit score ). XXXX IS A FRAUD!! THEYVE REFUSED TO FIX DAMAGE TO MY VEHICLE UNLESS I PAID {$1000.00} Co-Pay ( not even in vehicle, I was working inside! The driver drove away ). Regardless, when XXXX offered a lot less than {$510.00} a month, I cancelled my a XXXX policy via Phone, E-mail, Paper mail with stamp, faxed to corporate office. In addition, any debt owed to XXXX XXXX XXXX I paid in full. Then re-advised not just my local office, but XXXX corporate office in all the above mentioned ways. They demanded money after no debt was owed to them, they also dropped my credit score and made me an at risk customer in the database out of spite. LNLV a needs to be removed once again. If they have an issue, I will bill them my previous legal bills ( they wont forget again ). In addition, XXXX needs to remove any and ALL debt. THEY ARE COMMITTING FRAUD! I HAVE PAPERWORK THAT SHOWS ALL PROPER STEPS WERE TAKEN TO CANCEL MY POLICY AND PAY ALL DEBT. I HAVE PROOF THAT XXXX HAS BEEN MY ACTIVE AUTO INSURER!! SHAME ON THEM!!
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A