Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. LVNV FUNDING / XX/XX/XXXXXXXX
Company Response:
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter from a 3rd party offering legal services for a debt collection filed against me by LVNV Funding LLC on XX/XX/21. A docket sheet was included in this letter and when I searched the docket number I can see that there is a legitimate civil complaint filed against me and they are claiming I owe {$830.00}. This is scheduled to go to court on XX/XX/21 in Pennsylvania where I no longer even live. I have no debt showing on my credit report, have never been contacted by a company or collection agency regarding debt, and would not even have known about this civil complaint if it were not for the 3rd party ( XXXX XXXX XXXX ) sending the letter and offering legal services. I have tried to contact LVNV regarding this matter and have not been able to get any information about what debt they are claiming I owe them.
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX, XXXX is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This XXXX XXXX XXXX, XXXX is in violation of the federal fair debt protection act 15 U.S.C. 1692. The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft. I would like to know why is XXXX XXXX XXXX, XXXX trying to collect on a debt that is the result of identity theft? Reference number # XXXX.
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent them a debt validation letter, they never sent me anything pertaining to the identity of the person that created this debt, they sent me a bill and continue to defame me on the credit bureaus... ..i sent them a afidavit of identity ... .they did not acknowledge the afidavit. they have not sent anything ask for in my letters ... .to establish my identity.
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A