Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I looked into my credit and found several accounts that didnt belong to me from finger hut. I disputed it however theyre certain that the account belongs to me. I asked for proof that I opened the account but non was provided to me! This account appears on my credit report twice theyve also sold the account to a collection agency, so not only are they trying to collect but the collection agency is also to collect which is clearly showing on my credit report as a debit and its showing as recent as XXXX which isnt true this fraudulent account has been on my credit for over 7-8 yrs. But Im just made aware of this. Im also having an issue with an Old car loan that was opened in XXXX thats saying that I owe XXXX on a car that was all paid for Except for {$690.00} which was the original charge off the past due was {$780.00} the Car was stolen in XXXX they keep re submitting this on my credit report my car was stolen In XXXX. I provided the police report to the finance company yet theyre showing that the debt was as recent as XXXX and thats not true! I only owe {$780.00} which was all owed from me because the insurance paid the rest! Unfortunately I didnt have GAP insurance so I was left with a balance of XXXX,, at the time I was upset that my car was stolen not to add that I had to repurchase a new one so I couldnt afford to pay them and buy another car! They refused to work with me so it went on My credit! I have a Police report support what Im saying! That this was in XXXX not XXXX! These people are making it impossible for me to reestablish credit by putting fraudulent, false and negative things on my credit
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: OnXX/XX/2021 A collections was submitted on my XXXX credit, as well as XXXX & XXXX from LVNV Funding for XXXX. Never heard of them. I disputed debt thru XXXX account XX/XX/2021. Requested to Produce & Validate the debt with a original contract with their Company heading & my signature on it. No validation was produced. Instead LVNV Funding updated the debt of XXXX as an active account with monthly installments on my XXXX Credit report. Also checked XXXX & XXXXXXXX. I dont have an account or any business with LVNV Funding llc XXXX 2.I responded with a dispute thru XXXX account and asked LVNV Funding to remove the false account along with 15USC1681 for reference. The false information is still on my credit report. I am trying to refinance my home. The false credit reporting is hurting me from refinancing.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I relieved notice I was being sued by LVNV Funding. I responded to the suit and send a debt animation request certified mail. I requested verification and proof of the debt. The case was withdrawn ( I'm assuming because they could not provide valid proof I owed the debt ). They also never provided me with any proof I owed the debt. Just an amount and a name of a credit card company. No contract. No signed documents. No account ledger. They have failed to provide proof of this debt and refuse to remove from credit report.
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX XXXX XXXX added a collection account LVNV FUNDING LLC which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports. ( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LVNV FUNDING LLC never gave XXXX any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. In Addition they have violated the Fair Debt Collection Practices Act as well.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records. I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records. I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received. Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC added a debt to my credit reports. First of all LVNV Funding did not notify me before adding this debt to my credit reports. Secondly, the account and company LVNV is representing is in litigation. Finally, LVNV funding did not give me an opportunity to dispute this debt. All of these are in violation of the FCRA. My next action is to file a lawsuit against LVNV Funding, LLC.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: According to the recent Annual Credit Report dated XXXX company Cache LLC has reported a debt of XXXX. This charged was disputed as a fraudulent charge originally in XXXX and again in XXXX under the name XXXX. Previously named XXXX. The credit bureaus favored the decision and removed the charge from the report. however the company has resubmitted the claim under a different name 3 times. The companies have provided no proof that this is a legate charge to the individual. I have notified the FTC. Along with the 3 major credit bureaus. This has become an ongoing process. The CFPB needs to assist in implementing regulation to prevent this type of double jeopardy reporting
Company Response:
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection was reported to my file in error of someone with a similar name but different address. I contacted LVNV in attempt to correct and the representative was only willing to mail an affidavit which I never received. The representative was not willing to verify my identity as incorrect even after my SSN was not on file with an account they hold. Credit bureaus are working to remove this error. This is a time sensitive matter as I am in the process of closing on a home when this error appeared and is affecting my loan terms. Companies should be held accountable for misreporting consumers information and all verifications of identity should be thoroughly checked as many people share similar names.
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on LVNV FUNDING LLC. 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: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A