Date Received: 2020-09-21
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: 02124
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding, LLC is pursuing to collect an unsubstantiated debt. They have failed to confirm the origin of the debt, and have continued to report on my personal credit report. Listed on this personal credit report is an initial date of XXXX, which is far beyond the allowed time to pursue a debt in the state of California ( see below ). California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. Not only has LVNV Funding failed to provide proof this debt is even valid, they have continued to report inaccurate information to XXXX and XXXX
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). accounts : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, LVNV FUNDING LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LNVN Collection company reported approximately {$3500.00} of XXXX XXXX XXXX XXXX prepaid credit card which had an original balance of {$300.00} and was paying agreed. The prepaid credit balance was incorrectly reported to credit bureaus without proper verification of Statements to reconcile payments history with incorrect amount reported in accordance with FTC XXXX with Federal Truth In Billing Disclosures and credit reporting act. Never given the opportunity to disputes and XXXX XXXX XXXX XXXX failures to validate the inaccurate information as finisher with FTC guidelines and bad faith. There no company call XXXX XXXX XXXX XXXX prepaid credit card company. All I got was a frivolous comment with no supporting statements. I am entitled to reconciliation statement with full disclosure.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding Acct # XXXX Date opened XX/XX/2016 or XX/XX/2016 ( depends on which credit report bureau ) $ XXXX $ XXXX {$720.00} ( depends on which credit report bureau ) The only reason I found out the accts were on my credit report was the fact I applied for a small business loan due to covid. I was surprised since I don't have a lot of debt. I immediately pulled all three credit reports to find out why my score was so low. At first, when I disputed the accounts with the bureaus thinking it was my old XXXX XXXX account and a debt collection co. purchased from XXXX XXXX acct. which I knew was too old to be reporting. Well apparently it isn't a XXXX XXXX account. Its some off the wall bank. I ended up googling the companies and finding out it is actually a bank and a debt collecting company on behalf of that bank. First of all, I have never heard of that bank and most definitely did not open any bank account. What is strange is I have never been contacted by either companies by any means of communication to ask for payment. I have had the same phone number for 22 years and lived at the same address for 7 years. I have requested information be provided as to when the bank acct was opened, who opened the account and where this took place, any executed agreement reflecting my info and signature, details on the debt like when and what was purchased for either $ XXXX {$720.00} or {$720.00}? and why haven't they contacted me. All three credit bureaus have different information. One states that this company is a factory???? Did I buy something there? If so, please provide actual proof that they have the right XXXX XXXX. This wouldn't be the first time this has happened but usually the bureaus remove it right away since it isn't the correct XXXX XXXX. Please look further into this. After they realize I am not the owner, please have them remove it from the Credit Report Bureaus as this is affecting my loan status.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Comapny is claiming to have filed a court case in the XXXX XXXX XXXX XXXX County State of Georgia and sent false document wIth civil action number XXXX
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
Company Response:
State: PA
Zip: 17552
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING INFORMATION
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A