Date Received: 2021-06-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They have been sending me emails everyday threatening to sue me or have me put in jail for i dont pay debt i own i lost my income so i am unable to pay the collection i date have the dates but this situation have really put me in a XXXX really bad and the fact that i can pay the collection {$600.00}
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good evening, I have dispute LvnvFundG for over 6 months. Repeatedly Ive asked for proof on how they have verified with the original creditor the account was mine and the proper steps they have taken to ensure they are reporting 100 % accurate information. Month after month they are certifying to the bureaus that the account information they are reporting is accurate. When in fact there are multiple errors reported for this account. Examples of what is being reported inaccurate. Date Account opened. Account status being opened. Past due amount. This information is different from the original loan agreement. I have demanded they provide me with the original document of this account as reporting inaccurate information is stopping me from obtaining credit. XXXX and XXXX were both unable to provide accurate information so they have removed this account. I question XXXX how they have been verifying this information is accurate on my report and get no valid response.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received two letter in XX/XX/2021 from a third party debt collection agency. A third party company cant purchase my information under the law 15 USC 1692 ( b ) it is infringing my consumer rights and privacy. How did they get my information? I didnt give it to them its safe to assume they stole my identity because I never gave them permission to have it. Which is a violation 15 USC 1681 ( 3 ) In addition the letter did not disclose that this is an attempt to collect a debt which is a violation under 15 USC 1692e ( 11 ) I received mail from and unknown company with an account number and positive balance it didnt say it was an attempt to collect debt. I was under the impression that I was about to receive money, how do you pay on a positive balance? Under 15 USC 1692d the letter was threatening to report me to the credit bureau for this alleged debt if I failed to fulfill the terms see attached my reputation is ruined under the FCRA 15 USC 1681 all you have to do it pull my credit and see how its been ruined In addition 15 USC 1692e misleading and false representation of the amount of the debt again how do pay on a positive balance. I was not given validation of the debt which is required by law I am the consumer and under the law 15 USC 1692 G ( c ) I dont owe and debt this is alleged debt and I am not obligated to pay. I am the only one that can validate. No investigation was done and If It was no information was provided Under the law 15 USC 1681 AE you have to do interviews with family, associates and neighbors I have been injured multiple times all listed above this has cause me a great deal of stress ruined my reputation caused embarrassment I need this fraud to stop I need to be made whole again
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XXXX XXXX I received a settlement letter from attorneys for CACH , LLC. It was to confirm the settlement contract we agreed on instead of paying {$2600.00} a settlement of {$1900.00} was finalized. On XX/XX/2013 I called a payment settlement over the phone and received Approval # XXXX. So this should have settled all transactions with this company. However, to date XXXX XXXX I still have a lien on my property by this company. I need this removed immediately. According to NYS courts the following is true : When the Judgment is Paid When the debtor pays the judgment, the creditor must file a Satisfaction of Judgment form with the Clerk within 20 days. It is filed in the Court that entered the judgment, but if a Transcript of Judgment was filed in the County Clerks office, it is filed there. The creditor must mail a copy of the Satisfaction within 10 days to the debtor and must send a copy to all other counties where a transcript of judgment was filed. If this is not done, the debtor can sue the creditor for {$100.00}. I am having to go through hoops to get this taken care. Realistically I shouldn't have to if this is their error. Please advise. Thank You.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A