Date Received: 2021-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5900.00}
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on RC/RESURGENT RECEIVABL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} Cach LLC XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company reported that I had a alleged charged off account as of XXXX. I have already disputed this account because they have been reporting a improper balance. They never provided the original contract that I owe the debt that bears my signiture. They never provided the purchase agreement which if requested by law they have to provide. Also they over the last few months since I requested validation they have ententionally been reporting mixed-up and confusing inaccuracies on my file. They have went from in collections to open account as well as reporting on my name that I am paid up to date then all of a sudden charged off. They are now reporting that I'm 119 days or 4 months past due on a charged off account. I believe I need legal representation. Because I belive my rights are being violated according to the fdcpa violations. I will upload proof of these preditory tactics that they are trying to use against my name.
Company Response:
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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 XXXX days and I have not received any investigation results.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. LVNV FUNDING LLC account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE : of Identity Theft and FRAUD XXXX FAILED TO PROVIDE CONSUMER WITH VERIFIABLE PROOF OR DOCUMENTARY EVIDENCE PURSUANT TO 15 USC 44, AND CONTINUES TO REPORT FRAUDULENT INACCURATE AND UNVERIFIABLE ACCOUNTS WHICH IS A VIOLATION PURSUANT TO 15 USC 1681g. FAIR CREDIT REPORTING ACT ( FCRA ). Notice, it is a fact, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), or 15 U.S. Code 1681g ( a ) ( 1 ) ( a ) - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; You are required by federal law to verify - through the physical verification of the original signed consumer credit contract ANY accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which would be FRAUD and liable to criminal liability for willful and knowing violations Pursuant to 15 USC 1611. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Under penalty of perjury, I am requesting, and I am demanding to see Verifiable Proof or Documentary Evidence pursuant to 15 USC 44. Documentary Evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. Under penalty of perjury, I am demanding verifiable proof of original Consumer Credit Contract with my Original Signature on it. Pursuant to 15 USC 1681b ( 2 ) - Permissible purpose of consumer report ( 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 instructions of the consumer to whom it relates. Notice, it is a fact, I, Affiant DID NOT give XXXX ANY written consent to report ANYTHING on my consumer report or on my consumer file. No written consent is Identity Theft. Please provide affiant with an express written consent that I, affiant, the consumer gave you permission. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). These companies listed below has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed. NOTICE : I am demanding the following accounts be verified or removed from my consumer file and consumer report immediately. No evidence or deletion will result in legal actions. Name of Account/ Federal Violation FRAUD-Identity Theft/ Provide Written Consent and Documentary Evidence XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX Na 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent Notice, it is a fact, due to failure to verify accounts listed above I have been damaged financially, socially, and emotionally due to willful non-compliance and negligence compliance pursuant to 15 USC 1681n and 15 USC 1681o Civil Liability. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts MUST be removed and if you are unable to provide me a copy of verifiable proof or documentary Evidence pursuant to 15 USC 44, you MUST remove or delete accounts listed above from my consumer file. I am demanding removal or deletion from my consumer file and credit report. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. LVNV FUNDING LLC XXXX Balance {$1100.00}
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. LVNV FUNDING LLC XXXX Balance Owed : {$470.00}
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A