Date Received: 2022-01-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn this matter over to an attorney.
Company Response:
State: AL
Zip: 36832
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The status of this account is incorrect. It says it open when it is closed. When XXXX XXXX XXXX charged my account, they decide to cancel the debt completely. When this happens, I'm no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. To conclude the company validated this account. I ask for a physical signature and social security number
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!
Company Response:
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: At first I owed XXXX then I paid it down to XXXX now they are stating I owe XXXX again and they are even writing my old address. So that it has to be forwarded to me by my old landlord.its by resurgent capital services
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is unable to verify the debt I supposedly owe them. I have sent over two letters asking them to verify the debt and they were unable to do so. They were unresponsive to my original demands and did not send over documents proving that this debt is mine. A credit card statement is not verifiable because it can be compromised. I specifically asked for the original documents, my signature, and proof that this company is licensed to collect in my state.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Lvnv Funding LLC at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$910.00} and a second account in the amount of {$1100.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ......
Company Response:
State: MI
Zip: 48505
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} According to the Fair Credit Reporting Act, 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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, you must remove the accounts listed below. Provide proof of what the money you say I owe to you is for Explain in how you calculated what you said I owe Provide me with any copies papers where it said that I signed and agree to pay what you say I owe Provide the statute of limitation has not expired on this account Provide license that you have the right to collect in the State of Connecticut and Florida Please provide a complete history and explanation of what is said I owe Provide bill with my signature I agree and owe this debt to your company You are in violation of section 604 I will report this to the Federal Fair Credit Reporting Agency if my adverse mark is not deleted or validation showed ; ( B ) Application by mail, telephone, computer, or other similar means. ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and 3 The references in Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), not ( c ) ( 3 ) that no longer exists as the result of Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ). 604 - 15 U.S.C. 1681b 15 ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 609 ( c ) ( 3 ) .3 ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has be I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification Please know that I fulling intend to report any violations that contribute to the defamation of my character to the FAIR CREDIT REPORTING ACT AGENCY and follow up with Legal Advice if this account is not fully validated with all requested above. Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was. I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt. In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name. I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false. I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The credit card on the account is a XXXX XXXX account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A