Date Received: 2021-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just received a collection notice as to a XXXX credit card to which I never owned. It is not on any of my credit reports with XXXX XXXX or XXXX ... .. they are saying the balance is {$1000.00}. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.
Company Response:
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 6. LVNV funding Balance {$460.00} They claimed this account was collections for XXXX XXXXXXXX. Again I never had any open account for XXXX XXXX as they are claiming. I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLCXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX South Carolina XXXX XXXX PH. XXXX. I have been sending this company letters for the last 6 months. Regarding an collection they have added to my reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe {$680.00}. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. XXXX XXXX firm on my behalf has communicated with XXXX on XX/XX/XXXX and to this day XXXX has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX, however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting. In addition I am requesting a credit freeze on my account as I am a victim of identity theft. Please investigate my inquiry into why XXXX refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX ). In both of those cases XXXX purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. Thank you for looking into this inquiry and I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. LVNV FUNDING LLC bal. {$260.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a phone from XXXX and the phone broke back in 2015 and I returned the phone from them and I have email confirmation from them saying they received the phone but I never got a knew one so they sold my information to several collection agencies and now Im being harassed for debt that it not owed.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and XXXX investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. The overage of the cost was financed through XXXX XXXX. These documents were presented to me for signature at the end of my eight hour, routine XXXX restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. On XX/XX/XXXX ; I was served with a Subpoena. XXXX XXXX was suing me for the funds in which the financial documents were signed without my knowledge. On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : Case No. XXXX ; XXXX XXXX vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. I filed a Statement of Issues with the XXXX on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. XXXX XXXX then sold this debt, which was dismissed by the XXXX by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, LVNV Funding LLCs name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because LVNV is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. LVNV has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and LVNV, I could not have my name on our new Mortgage thus, I am now vulnerable. LVNV Funding has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. Im attaching the Court records and, XXXX XXXX Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report LVNV us showing them as payments made. Thank you.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A