Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The information reported to the credit monitoring company about my loan from XXXX XXXX XXXX XXXX is not accurate. LVNV funding LLC reported that I am owning {$24000.00} is very misleading. The account has been settled and the current creditor is Resurgent Capital services and the settled amount owed is now {$19000.00}. I have been paying my draft regarding this account every month as shown by the attached document. I have also started paying the amount owed XXXX as is shown by the attached document. In light of this, the derogatory information reported to the credit monitoring company regarding my credit history is false and misleading and I would appreciaite if this error is corrected as soon as possible.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an alleged debt with LVNV Funding LLC. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted LVNV Funding LLC and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what LVNV has on my credit report the alleged debt account was opened in XXXX of XXXX I was living in Florida in XXXX of XXXX. There is no XXXX XXXX Branch bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want LVNV to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from XXXX and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from LVNF Funding LLC. I have also filed a dispute with XXXX and am unable to file one with XXXX because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3.
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon me reviewing my credit profile I noticed that I had credit card account on my credit report that I was not aware of from credit one. I reported to the company and they refuse to delete it
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
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 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 XXXX 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written to the company asking them for the forms I have signed for the " Loan '' they claim I took out. They send me blank forms with no writing, no signature or other identifying information. I now have a Fraud alert on my account for this reason.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX from XXXX contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with LVNV Funding which was an account from XXXX XXXX Bank, all of which is not legitimate. The XXXX XXXX Bank was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge. I asked XXXX XXXX to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from XXXX continues to contact me frequently via email on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX acknowledged receipt of the validation request letter on XX/XX/XXXX. Attached document is the validation request provided to XXXX on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. I have not been provided with any validation documents.
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: These companies failed to respond to my debt validation letter within 30 days to verify the account in question
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: VA
Zip: 22802
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, BBB, Attorney General and FTC
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A