Date Received: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt. Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation. I am enclosing the information in the above aforementioned complaint.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a collections amount of {$810.00} from XXXX XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Company Response:
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit report shows I disputed XXXXLVN Funding account. Never disputed this account, would like for it to be removed.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt was written off in XXXX & is no longer on my credit report, after SIXTEEN YEARS. Out of nowhere, I get a letter that I owe LVNV {$1400.00}. In the same letter, they state that because the debt is SO OLD, they cant legally sue me for it ( I never entered into a legal contract with them in the first place, so it is NOT MY DEBT ). And they state that they can not report this fake outstanding debt to any credit reporting agency. So what are they harassing me in the first place? My credit score is close to 800 for the first time in my life, and Ill be XXXX if Ill let these XXXX ruined something thats taken my entire adult life to achieve.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A