Date Received: 2022-01-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I learned about my poor credit in XXXX or XXXX. I began my credit repair journey by hiring a credit repair company, XXXX. After a few months of using their service, I realized I could no longer afford to pay their fees and discontinued their services. In XXXX, I learned that I could work on repairing my credit myself and have been working diligently to do so. However, the credit reporting company LVNV Funding has made my journey a bit difficult. In XXXX of XXXX, I sent my first letter to LVNV Funding asking for validation of my debt as made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In XXXX of XXXX, I received a letter back stating that " information responsive to this matter has been previously sent '' and that they " will not continue to respond to duplicative requests without additional information. '' As I have not received any correspondence directly from them to my current address, besides this letter, I am not sure what information I need to send to them to provide the additional context they are needing from me. In XX/XX/XXXX, I sent another letter requesting validation of the debt and received a copy of the first letter in XX/XX/XXXX. At this point, I am attempting to resolve this bad debt in good faith, but have not been able to validate that this debt is indeed mine. I have attached all correspondence between LVNV Funding and myself for your review.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have submitted disputes for this account I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that are fraudulent. This is a violation of my rights under FCRA laws.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To Whomever This May Concern, I was informed on XX/XX/XXXX by XXXX XXXX that someone tried to open a bank account in my name. The application was thankfully denied and said account closed on XX/XX/XXXX ( a few weeks later ). Not long afterwards on XX/XX/XXXX, I received mail from XXXX saying that someone tried to open a credit card account in my name. When I called both XXXX XXXX and XXXX, they said that these fraudulent attempts were by people in South Carolina. When I got my XXXX credit report, I got a notice saying that an unknown Texas phone number of ( XXXX ) XXXX tried to get an inquiry analysis on XX/XX/XXXX. I also saw an account review inquiry made in my name dating back to XX/XX/XXXX. Most suspicious of all is what I saw on my XXXX credit report. The debt collecting agency LVNV Funding ( also known as Resurgent Capital Services ) made the claim that I owe them {$120.00} on an unpaid XXXX Internet bill. The last report of this was made on XX/XX/XXXX, coincidentally just a few days before I received the alert from XXXX. A quick XXXX search showed that LVNV is from XXXX, South Carolina, which gives me the reason to believe they are the ones responsible. Scammers from the southern US claiming to be debt collectors have harassed me about this for some time now, and not once have I leaked any personal information to them. Something tells me they have finally gotten a hold of my info somehow and have tried using it for their own use. I am deeply concerned about this and would like to know what I should do next. Thankfully no money was stolen from me, but I am very worried about my credit information being out in the wild, as well as potentially other information ( like my Social Security Number ). I have since gotten XXXX to put a freeze on my credit, and am in the process of getting credit freezes from XXXX and XXXX. If there are any further steps that need to be taken please let me know. Thank you.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: these are not my accounts and I would like them removed asap as I have already did several disputes with XXXX. Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$30000.00} XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00}
Company Response:
State: IL
Zip: 60103
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I have requested documentation of how these accounts were opened including my signature and have not gotten a response. I am looking to have this debt removed from my name and press charges against the person whom opened the accounts. I have filed a police report and also reported on XXXX. A fraud affidavit was also sent.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the creditors and collection companies to let them know that the accounts were fraudulent and not opened up by me and never got. response.
Company Response:
State: TX
Zip: 77320
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A