Date Received: 2021-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and LVNV FUNDING/XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV is reporting different dates of last activity on XXXX XXXX and XXXX Reporting inaccurate information is a violation per FCRA. I would like for this acccount to be removed from all credit bureaus IMMEDIATELY!
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: RESURGENT AND THIER CONSORTIUM COLLECTION FRONTS ARE ILLEGALLY COLLECTION DEBT LISTED IN CHAPTER XXXX BANKRUPTCY THE ORIGINAL CREDITOR WAS AWARE OF BK AND SOLD TO LVNV AND E-MAIL BY FIRST ACCORD IN XXXX 2020. SEE ATTACHED. THEY ARE IN CLAER VIOLATION OF DODD FRANK ACT.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I OBTAINED A CREDIT CARD FROM XXXX XXXX XXXX BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.
Company Response:
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
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 haven't received any investigation results.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
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 haven't received any investigation results.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt was pursued by XXXX XXXXXXXX in XXXX ( XXXX ) in XXXX, FL in Circuit Court. The debt was dismissed on XX/XX/XXXX. LVNV Funding has been alerted that the debt was dismissed but refuses to remove it as a collection account from my credit report. I need your help.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I've sent multiple letters to XXXX, XXXX, XXXX regarding accounts, Date Opened : XX/XX/XXXX Balance : {$2000.00} Date XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Balance : {$1600.00} They are reporting inaccurate information on my credit report. I have asked them to investigate the items on the accounts that's inaccurate, or unverifiable and they have failed to resound to my letters. It has been 45 days with no responds.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have continually asked for validation ( not verification ) of a legally binding contract with a signature which states business between myself and this LVNV which has yet To be produced. Old billing statements are not sources of verification. I am asking for the 3rd time for the contract between myself and LVNV.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A