Date Received: 2020-08-15
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 a loan with CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was put on my credit report without any proof that it's mine. Company sent no information to me they just put it on my report and I don't know what it is. I sent a certified letter on XX/XX/2020 and XX/XX/2020 and many more before that and I have gotten no response. I called the number I found online and was hung up on on. It's been close to a year of more since I have been disputing this debt with no response. I think they are also leaving me threatening messages from unknown numbers about taking me to jail.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
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 a loan with LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Disputed debt with all three credit bureaus. Never received notification letter to dispute from lvnv funding llc. They have submitted false claims I misses a payment. Damaging my good name and credit worthiness. XXXX, and XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX a/s/o CACH LLC CC : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX XXXX CACH LLC have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called XXXX XXXX XXXX XXXX XXXX and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use XXXX information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX XXXX CACH LLC must now provide me with proof of this debt for you to continue to collect this debt.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A certified letter was mailed to LVNV Funding, LLC on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by LVNV Funding, LLC on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Company Response:
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When receiving a letter from Resurgent Capital Services about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name LVNV Funding nothing from the original like I had requested and is my right under federal law. I also sent a letter to XXXX and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. If you need all documentation that I have send and received. Please let me know. I can scan and email them over to you. I sent a response to both companies today XX/XX/2020
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account XXXX XXXX Bank on my credit report was paid in full and I was told by resurgent capital services LLC who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 a loan with LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A