Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING LLC XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My pay was garnished {$500.00} by a company named Cach LLC or XXXX and XXXX PA. My payroll team stated that there was no other information given. He have me the filing information which had an address I have not lived at since XXXX. I was never notified of these proceedings. I contacted the court system who signed the docket and they stated that they did not have a number to contact the company either, but I could file and exemption to stop garnishments and get a court date. The court representative also advised me that this case was originally filed in XXXX which is beyond statutory limitations. She stated that she couldnt give me much more information. I tried to research judgements and debt that couldve possibly been on my credit report and concluded that this debt is not mine. I researched the company and found that they are known for attaching debt to people that doesnt belong to them. Im a single mother of 5 and I cant afford to have {$500.00} taken from each paycheck.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On the day XX/XX/2020 the agency XXXX contact me to collect a debt to LVNV FUNDING LLC on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company keeps overly reporting to the credit bureaus, not to mention I never authorized this company to have any of my demographics or financial information nor have I authorized any company to give or sell my information.
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX a credit card company reported an account on my credit report as a charge off. I disputed this account with all 3 credit bureaus. The account deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Resurgent Capital Services and LVNV Funding LLC and now XXXX and XXXX XXXX ( A law firm ) all requested payment for this account. I sent a debt validation letter to all these debt collectors and asked for other documents to prove they own this account or documents showing I even signed for this account. No documents was provided, just stating in a letter " they have verify the account ''. Now LVNV Funding LLC has reported that same account as a collection to all three credit bureaus. Again, they have not validated this debt to me.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
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 the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am fining a complaint against resurgent capital due to trying to collect on a loan that was token out due to identity theft. I filed an identity theft report and faxed it to them and they still have not resolved matter
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received an email from " XXXX '' I clicked on the email thinking it was from a coworker named XXXX. This email was misleading and did not state who it was from until I opened it. It was a collection agency Resurgent Capital Services disguising themselves as a friend on my email. I called them, they stated I owed a debt to XXXX XXXX XXXX XXXX XXXX from XXXX or XXXX. I explained that I was incarcerated at that time. They asked if I was disputing the debt I stated no the debt isn't mine. Today I received a letter from them stating the original collection agency LVNV could not sue me due to the length of time and the law limits and they were taking over the debt. I have no idea who this bank is or what the debt is for. I have settled old debts with Resurgent last year and don't have a problem taking care of my old debts but something from 20 years ago while I was incarcerated that is not mine I'm not paying for it. I have taken care of my past wreckage and I have changed my life.The letter states LVNV is the current owner of the account but the body of the letter states Resurgent is servicing it? If LVNV cant collect how can they still own the debt? They need to find out who made the debt.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding Llc XX/XX/2016 {$950.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2017 LVNV FUNSING LLC {$830.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A