Date Received: 2021-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company put a false inaccurate account on my consumer report and then when I submitted a complaint about it they removed it from my account. then they started sending me emails and put it back on my consumer report 2 weeks later. I do not know this company I do not have a contract with this company I never gave this company permission to contact me in any way. they are constantly harassing me. I sent out a notarized affidavit along with a cease and desist, original dispute were the account was deleted by them the first time, Communication stating I owe a debt, I sent a letter showing they bought the alleged debt and an invoice with the violations they have committed.
Company Response:
State: IN
Zip: 477XX
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter today from XXXX XXXX , XXXX threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}. Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.
Company Response:
State: MI
Zip: 48036
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of 2021, I disputed an alleged debt with a debt collector named LVNV Funding LLC, LVNV bought this debt from XXXX XXXX XXXX. LVNV Funding LLC later removed the alleged debt from my credit reports after seeing that I was a victim of identity theft. This alleged debt hindered me from accomplishing my credit goals and negatively affected my credit scores. My rights as a consumer were violated under 15 usc 1681b ( 2 ) " in accordance with the written instructions of the consumer to whom it relates ''. I have attached a letter of correspondence of admission and deletion.
Company Response:
State: NY
Zip: 14623
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled an old debt which was XXXX for XXXX this made the account resolved and LMNV funding said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to XXXX XXXX XXXX. Now they're saying I owe them, after the fact that i had this matter resolved!
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING reported to three credit reporting agencies a debt that was not mine. It was a result of identity theft. I was able to get this deleted from two agencies. I struggled with my credit scores because of this inaccurate and incorrect reporting.
Company Response:
State: NY
Zip: 14623
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The LVNV FUNDING LLC is a corporate account and was mistakenly reported on my profile. The 3 Credit Bureaus had their record-keeping been accurate, and no complete payment history was provided. The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A