Date Received: 2021-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX, XXXX, XXXX XXXX XXXX, XXXX trying to secure money for LVNV who bought a debit from XXXX XXXX XXXX XXXX. They stated that LVNV had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. LVNV has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of LVNV claim, when I decided to cease the use of the legal group LVNV XXXX XXXX, XXXXXXXX XXXX XXXX showed up again with their terroristic tactics
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV is commiting fraud and asking myself to commit fraud. Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States. QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts? 2 ) What species LVNV requiring as payment? 3 ) What legislative authority gave LVNV the legal ability to determine the said payment? I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX A ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Im a 100 % service connected vet. They are preventing me from owning a house with their lose tactics. The original amounts was {$1000.00}, theyre are trying to get me to pay {$2200.00}. I can solve this problem with ease, but Im XXXX XXXX XXXX XXXX XXXX XXXX. So this is me trying not to. But I dont see no movement, Ill assume you gave me the green can to. On XX/XX/2021 I sent a letter of validation to LVNV Funding to verify and or remove the debt, they responded by raising it. This tactics should not be allow, they have no legal claim to collect the debt, please help me or or Ill use all my military experience to go there and make this evil stop myself.
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX XXXX!!
Company Response:
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
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: Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor LVNV FUNDING LLCXXXX RESURGENT . As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named LVNV FUNDINGLLC/RESURGENT. Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by LVNV FUNDING LLC/ RESURGENT whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received my credit report and found an account from them that is not mine. It said I owed {$1300.00}. I have never had an account with them. We had several people staying at our house I do not know if they done something, or someone got my information off the website not sure. I contacted the credit bureau 's and they said everything was verified as accurate and the company agreed. I have asked for a application or contract with my name on it bearing my signature and no one has given me anything. This is because they have nothing this is not mine.
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Identity theft as I was residing in XXXX XXXX. Been trying to resolve this issue yet going in circles with nothing accomplished and negative marks on my credit due to theft. I can be reached at XXXX Thank You XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A