Date Received: 2021-01-24
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 have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. CACH , LLC is reporting a collection account on my XXXX credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX and XXXX, yet continues to be inaccurately reported XXXX. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to XXXX directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with CACH , LLC on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX, 2016 was when they say the account was opened..They kept calling my phone non stop harassing me about a loan of a {$130.00}. It says it is a XXXX balance account but still showing on my credit report. I would like this to be removed from all three Credit bureau..
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account information is Inaccurate and need to be fixed
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent paperwork from irs and from one credit bureau proving of fraudulent activity. They will not except it and take it off. LVN funding for a credit one bank. Please help I am a widow and on XXXX and only get {$1000.00} a month
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/XXXX I receive a letter about a credit card debt from Resurgent capital services about an alleged debt on XX/XX/XXXX I send a verification letter asking them for proof and also stated the I did not want to be contact from the until the debt is verefied as mine. They continue to contact me after the letter was received on XX/XX/XXXX. This are all the date about email they were sent to me XXXX XXXX XXXX via email XXXX XXXX XXXX va email XXXX XXXX XXXX va email XXXX XXXX XXXX va email XXXX XXXX XXXX va email ( XXXX XXXX XXXX ) XXXX XXXX va email XXXX XXXX XXXX va email They receive my letter on XX/XX/XXXX the keep contacting me via email on XXXX XXXX XXXX ( day after letter was received ) XXXX XXXX XXXX va email.
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX Balance XXXX $ This company have harassed me on multiple occasions even after telling them that the phone is not mine. Ive contacted them via mail on 2 occasions requesting the information on my credit be verified. Ive asked for contracts signatures or anything stating this account they are claiming is mine, is mine. I have yet to get a response just a remark on my account saying its been updated when nothing has been updated. This company is a fraud and is trying to get over on people. By law i am entitled to verify anything that is on my credit and they are not giving me that right.
Company Response:
State: IN
Zip: 46214
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Information has been disputed and asked companies to provide original contract for services rendered.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVN FUNDING /RESURGE CAPTAL LP XXXX SENT ME A COLLECTION LETTER AND REPORTING IT TO XXXX XXXX XXXX FOR A DEBT THEY DONT EVEN OWN, BACK IN XXXX THE TRIED TO COLLECT FOR XXXX XXXX XXXX REF # XXXX XXXX XXXX i FOUND OUT ON XX/XX/2020 THAT TRUE ACCORD OWN THE ACCOUNT WHICH I SETTLED IT WITH THE, i DEMAND THAT LVNV/ RESURGENT CAPITAL SERVICES REMOVE THIS FROM MY CREDIT REPORT ASAP,,
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Today ( XX/XX/2021 ) I got a letter from a company saying I owe {$58.00}. So, I called them, lady answers and I say, I have a letter stating I owe a debt. I believe beyond a shadow of a doubt that this debt is not mines and the lady hung up the phone. I called back and she hung up again. I called back and did not get through to anyone. In addition, to this stressful letter that states they say they wont sue me for it or report it to the credit bureaus because its so old. But of course I dont believe them Thx a lot
Company Response:
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
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: At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " nothing '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX which is a violation if this account is supposedly a collection/charge off. XXXX and XXXX are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A