Date Received: 2022-01-04
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: I ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. Also, 15 usc 1681 2 ( b ) I do not authorize this. I also want my FILE and my consumer report.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV funding has been trying to collect money from me on an account they do not own. It has been over XXXX plus days and I have not received any information from them or any validation showing me a contract between me and them or any wet signature. Please provide that signature or contract between us, if not, remove this information from my consumer report. I also never gave consent or any permission to Lvnv funding to report any false misleading information on my consumer report, this is definitely a violation of the XXXX.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has no legal right too collect on this debt.. The fact that a debt is owed does not give lvnv legal rights to collect on the debt... I've sent validation letters too this company to show me their legal and lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed assignment of the debt with my ink signature.. They have failed too do so and now they have reported a debt that they have not proven i owed they have not provided my ink signature that i consented too have my debt be paid too any other party besides the original creditor.. This is defamation of my character.. This matter has been submitted too the attorney General and legal action will be pending
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RESURGENT CAPITAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. Thank you for your time. ( *it has now been more than 30 days an no answer )
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. The following is the account information and a timeline for the correspondence to the bureaus and creditors. Credit Reporting company : $ Amount reporting Credit Bureau reporting XXXX XXXX {$4700.00} All 3 bureaus Cache LLC {$18000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$4500.00} XXXX XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. XX/XX/XXXX Letter to all bureaus requesting proof of debt. XX/XX/XXXX Letter to all of the above companies demanding proof of debt. XX/XX/XXXX Letters to all bureaus. XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. XX/XX/XXXX Letters to all above companies requesting validation of debt. XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. XX/XX/XXXX Letters to all companies demanding validation of debt. XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. Please advise me via US Mail. I look forward to their Reponses. Respectfully, XXXX XXXX
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was sued by LVNV for a debt that I do not owe. On XX/XX/2021, the case was dismissed. However, LVNV is still reporting negatively on my credit reports.
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT # XXXX AMOUNT : {$2600.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A