Date Received: 2020-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. XXXX/XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this is a XXXX XXXX card account, XXXX XXXX is handling it for lvmv funding their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX I was notified by XXXX that negative information was added to my profile. When I checked I notice this was a company that I had requested validation of this debt months ago and never received the documentation to prove this is my debt. By law I am requesting this information is immediately removed from my credit profile until proof of validation is rendered.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
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 am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV FUNDING ( XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On multiple occasions since 2018 XXXX XXXX/Resurgent Capital/LVNV Funding LLC have placed collections on my credit reports. Ive challenge it multiple times and the credit bureau would remove them, then after 30, 60, 90, 120 days or longer these two companies which are the same Resurgent Capital and LVNV Funding LLC have gotten the credit bureaus to put the negative false debt information on all three of my credit reports. I will include copies of the multiple certified mail letters that I sent them in which they never responded nor provide proof to me of the alleged debt. They have willfully engaged in fraud and violation of the FCRA and are involved in racketeering and fraud.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Failure to provide Method of Verification within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor. LVNV FUNDING LLC XXXX Date Opened XX/XX/2017 Balance {$700.00}
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: When I first noticed this account on my credit profile with the credit bureaus, I contacted the original creditor XXXX XXXX XXXX, letting them know this account has been fraudulently opened in my name. This account was removed from my credit profile. Almost one year later I am receiving communication from a collection agency Resurgent Capital Services c/o LVNV Funding LLC stating I owe a debt for a credit card account that does not belong to me.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A