Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked numerous times to not be contacted and for them to not send out letters from them because they are sending them to my parents address and NOT mine. They have not provided me with accurate information. I just financed XXXX through XXXX XXXX for a auto loan. Not sure why they would approve me for that if I truly had a debt from them go to collections.
Company Response:
State: TX
Zip: 79703
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XX/XX/2022 at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXX
Company Response:
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV is on my credit reports saying I owe a balance of {$1200.00}, but I have no accounts that have/had a balance of {$1200.00}. I have also never received anything from an LVNV by mail, I did not get a Regulation F letter
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is unfit
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is failing consumers
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX LVNV Funding LLC placed me in collections for {$790.00} debt to XXXX. At the time I was unaware that there was even a XXXX account connected to my name. I disputed this several times and was sent a billing statement with my name on it. Mind you that still doesnt explain to me where this debt came from. I asked for verification of a contract with my signature which was never received. I started receiving settlement letters to my mothers house in XXXX when I do not and have not shared an address with her in XXXX. I repeatedly reported inaccuracies with the debt etc and as sent several verification letters for this date. Upon contacting XXXX they were very helpful and I was told they have no evidence of the debt or any prior accounts with me. This was done 2x or 3x over the past 5 years. So I was finally told they cant pull-up anything or attach anything based on my birthday or Social security number. However they were able to send me a verification of debt based on the account number and my name. The debt was for an original amount of {$100.00} which they updated per the dispute and then deleted it as they couldnt verify the origins of the application or search it based on my personal details. ( So In XXXX I did open account with XXXX as I had decent experience with them helping me, but that has no relevance here. Just mentioning it for factual purposes. ) This complaint is NOT about XXXX, theyve been amazing. Anyhow, upon receiving this information I notified LVNV Funding LLC and XXXX of this and provided the investigation results I received from XXXX XXXX directly. LVNV Funding LLC once AGAIN sent a billing statement with my name on it with XXXX XXXX as the company owed. Not only have I never had a contract with them but the debt that they purchased was incorrectly attributed to my name to begin with. Even upon having creditone update the INFORMATION AND acknowledge the deletion of the original account. XXXX has repeatedly verified this debt, even with blatant evidence of inaccuracies and inaccurate reporting, I mean even if the debt was able to be tied to me, XXXX reported a balance of {$100.00}! Where did they get the {$790.00}? This is the issue with debt purchasing. And XXXX chose to update the account INACCURATELY based on LVNV FUNDING LLCS inaccurate debt purchase rather than delete it per my request when the inaccuracies were found acknowledged and identified by all BOTH necessary parties, myself AND the ORIGINAL CREDITOR.. Its been a rabbit hole for almost 5yrs now for a debt on a credit card they say is from XXXX. A debt they claim to have purchased in XXXX and started a fresh collection that is not even mine. Im exhausted with the back and forth and lack of tact in seeing things are accurate. None of it makes sense and Ive done everything submitted documents. Placed identity theft alerts etc and here we are. Its very much negligent on the part of the collection agency XXXX to continue to verify AND report a debt with no actual evidence or effort put into verifying the contracts or signatures pertaining to me. Not to mention the complete disregard for evidence from the original account provided BY ME. As well as investigation results from their own company. They removed the XXXX debt and left the collection debt that rooted from it. Its a full fledged violation of my rights.
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A