Date Received: 2022-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last year XXXX of 2020, I checked my credit report and found a collection account showing up on my credit report which I have had no knowledge did not create. I contacted the credit agencies and let them know with a police report stating that the debt was not mine. XXXX and XXXX researched the debt and contacted the furnisher of the debt and resolved it that it was another person with the same name. While XXXX has not even responded or taken any action at all in a year 's time. I write them every month abou the account and nothing ever happens so now I am contacting you.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC pushed someone's unpayed account to their debt collection servicer Resurgent Capital Services. LVNV Funding states they acquired an account from XXXX XXXX XXXX. The XXXX account owner 's name does not match mine. The alleged account owner lived in a state where I have never been in residence. I've never done business with and never had an account w/ XXXX XXXX THE DEBT IS NOT MINE. According to XXXX Resurgent Capital Services, LVNV Funding LLC, & XXXX, XXXX are total scam companies. So, no why would I contact a scammer. Went straight to CFPB, FTC, & BBB.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof. I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies. I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX. I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment. This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, a federally protected consumer has attempted to reach out to LVNV FUNDING to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with LVNV Funding and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have sent LVNV FUNDING LLC a cease and desist and asked for validation of the alleged debt. Instead they did not comply with what I asked for in reference to validation of the alleged debt ; nor did they comply with the demands of stop negatively reporting to Credit Bureaus and XXXX me the consumer XXXX, XXXX, and XXXX. I have not been able to get extensions on credit due to the negative reporting. The company also tried to sue without proper notification and signature.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, SCXXXX has been sending me collection notices in the amount of {$600.00} and the collection has been reported as a past due balance. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Company Response:
State: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX It alleges I had a debt in XXXX with LVNV Funding LLC in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. TWENTY TWO YEARS AGO, ARE YOU KIDDING ME. I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A