Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was opened fraudulently. I was trying to apply for an apartment when I got denied because of a collection on my account I was unaware of and thats how this account was brought to my attention. I know nothing of this account and Im on the verge of being homeless because I cant get approved anywhere. I tried disputing this account but it comes back as account accurate. Its disgusting how a system can determine whether or not an account is yours without getting the facts. Its not my account and this is ruining my life. This is not the first account that was opened fraudulently and I was able to get that removed from my report. I will attach the account that was removed because of fraud.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: LVNV Funding is attempting to take me to the magistrate in retaliation for having their account removed from two of the big three credit reporting bureau. After investigating a dispute both XXXX and XXXX requested records and verification of a debt LVNV bought from XXXX XXXX. LVNV was unable to provide proof and the debt was removed from those reports. LVNV is now suing me in retaliation. The XXXX XXXX account is over 9 years old and legally can not be collected on.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After contacting XXXX I in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my XXXX credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX report : 1. Shows no payment history, but XXXX do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX : closed & charged off the account.SOLD my private data to XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CC : FEDERAL TRADE COMMISSION Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Telephone : ( XXXX ) XXXX ReportFraud.ftc.gov RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX, XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX cc Federal Trade Commission
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2019I discovered a credit card with XXXX XXXX XXXX, XXXX. was on my credit report. I called XXXX XXXX XXXX, XXXX. and discovered this card was opened by a family member using my social and credit to open this card. The family member was an authorized user and was in possession of both cards as there address was used for the account. I never authorized for my Name / social / credit be used to open this account. I reported this to XXXX XXXX XXXX, XXXX. and the account was to be closed and at no fault to me. Now I have LVNV Funding LLC reporting debt of XXXX for such account on my credit report as a collection. I have submitted disputes over this debt reporting the account not belonging to me and have not received any proof of ownership of this debt, not one signed contract, nothing. Now I am receiving a letter in the mail from Resurgent Capital Services L.P. trying to collect this debt that does not belong to me telling me they will get a judgement against me and mail it to me? I did not open this account and handled this with XXXX XXXX XXXX, XXXX.
Company Response:
State: WY
Zip: 822XX
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2020, I sent ( LVNV FUNDING, LLC AND XXXX XXXX XXXX ) A LETTER REQUESTING FOR THE VALIDITY OF THE ALLEGED OF XXXX THAT I DO NOT OWE AND I HAVEN'T HEARD FROM THEM ABOUT THIS ITEM.I HAVE ATTACHED COPIES BELOW OF THE INFORMATION SENT.
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: debt collection agency claims i owe them money. i want proof of contract from company they claim I owe. i did not enter into any contract with this agency and do not plan on giving them money with out proof of contracts. " ORIGINAL '' Contract document, and contract i have with this collection agency.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A