Date Received: 2020-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was told this debt was paid and considered closed. It may be under my old name XXXX XXXX.
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted XXXX XXXX XXXX back on XX/XX/2020 to validate a debt that was showing up on all 3 of my credit reports. XXXX XXXX informed me that they sold the debt and refused to remove the account from my credit files. I also contacted LVNV Funding in writing on several occasions and I have not received validation of the debt or anything in writing from both of these companies and the debt remains on my credit files.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive replied to their notices and explained this debt is not mine and i do not have account with XXXX or lvnv. the constant letters are now considered harassment.
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent the collection agency on several occasions my Identity Theft Report, including police report, FTC Fraud Affidavit and my statement. I have also explained I was in federal prison the past 10 years while this account was opened in my name. They refuse to accept this and instead say that the FTC Fraud Affidavit doesn't contain the full account number. I DON'T KNOW IT!! The name of the creditor is right, the exact dollar amount. They just want to play games. They are in clear violation of the FDCPA and the Rosenthal Act in CA. They are trying to collect on a debt they know is ID Theft and is not mine. They are also trying to make me have to notarize additional documents that are NOT required under law.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On a number of occasions I have mailed and disputed XXXX XXXXXXXX XXXX. Along with LVNV Funding LLC and all three credit bureaus of identity theft. Both companies refusing to permanently remove the account off of my credit reports. Due to COVID-19 XXXX police department are not receiving reports for non criminal activity. I was told to file a complaint with FTC which I did and there after mailed all three credit bureaus a copy. I also mailed LVNV Funding a letter today XXXX-20 the report number to my FTC report because I am not able to copy and print as today. I have not lived XXXX XXXX XXXX XXXX wi XXXX. I live in XXXX TX.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX I've never did any business with these companies.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Initially I had a credit card account with XXXX XXXX who was purchased by XXXX XXXX. I lost my job and was unable to make any payments. I attempted to negotiate/ask for respite from the company and was denied any consideration. I did, however, write them agreeing I owed {$6300.00} ( the credit limit ). In XXXX, when I finally was able to secure a job, I wrote again and began paying {$50.00} per month. The debt was subsequently sold ( multiple times ) and now is with XXXX XXXX XXXX. I have been writing to them recently asking for a complete accounting of the funds submitted to them and their predecesors from XXXX to XXXX a total of 13 years. To date I have not received the requested accounting. In an XXXX article I just discovered that some debts have a statute of limitations or a " time-barred '' expiration date. The article indicated that limits vary by state and generally range from three to six years, depending on the debt. I am again writing to them and again requesting an accounting as well as informing them I have submitted this complaint with the Missouri Attorney General 's Office as well as with the Consumer Financial Protection Bureau of the United States Government.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A