Date Received: 2019-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX XXXX. I called XXXX XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been consistently attempting to get this company to show proof, validation of my signature showing that I am indeed responsible for this debt. They have failed to comply on multiple attempts in asking for validation. The company continues to send documentation stating that debt, has been verified and showing it's my debt, but no supporting documentation has been sent to me via standard mail stating that this belongs to me. I am requesting a further review and if proof can not be provided within 30 business days I am demanding that the account under my credit file be removed immediately.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). XXXX coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract. No contractual arrangement exists with said debt collector and it appears that said debt ( evidence of indebtedness ) was purchased pennies on the dollar from the previous Holder in Due Course/ Payor ; hence, said debt collector was not authorized to furnish private information or assume to be the Power of Attorney regarding myself ( Identity Theft ) ; Consequently, the debt is considered void. Nevertheless, it appears that said debt collector is persistent by way of said consumer credit report stating that a debt is owed. However, said evidence of debt constitutes indebtedness under general principles of federal income tax law. The debt collector is considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$8100.00}. Consequently, said debt collector has committed the following violations regarding said debt instrument ( s ) : failed to provide a 1099 OID regarding said debt instrument ( s ), failed to report income, failed to withheld tax, failed to file return, and failed to pay tax. it is impossible to furnish information to the Credit Reporting Agencies without first assessing the tax accordingly regarding said debt instrument ( s ) ; Otherwise it is evident that said debt collector knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. As the recipient of said debt instrument ( s ), I am being hindered from assessing said tax accordingly by way of form 1099 OID and 1040. Consequently, said debt collector has intentionally impacted ones credit worthiness negatively regarding said debt instrument ( s ) which is considered irrefutable proof that the debt collector does not respect the general principles of the federal income tax law. Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, Credit Report regarding proof debt collectors claim of debt which is an evidence of indebtedness which constitutes indebtedness under general principles of federal income tax law ; hence, participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability, and does not respect the general principles of the federal income tax law. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with said debt collector : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2019 I received a letter saying I was being sued for a closed account.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX for a debt and account with XXXX XXXX issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. I want them at XXXX XXXX XXXX to close this right away please. I have sent XXXX XXXX XXXX a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This organization has placed a negative report on my credit. I have never heard of this organization. I have responded to their allegation of debt, found they bought this debt from yet another entity I have not heard of. Since I do not own any credit cards and never have, I could not have opened up such an account as is alleged. I do not sign any contract unless it is in front of me and I can sign it with my wet-ink signature. I DO NOT sign any contract electronically or online as that is not a true binding contract. This organization needs to show such a contract for this debt to have anything to do with me, as I am certain I never contracted as they allege.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2019-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a collection account listed on my credit report by a debt collection agency, LVNV Funding LLC, collecting on behalf of XXXX XXXX. LVNV Funding LLC is the current creditor, but XXXX XXXX XXXX XXXX, XXXX has been sending me letters offering to settle the account. LVNV Funding LLC nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. The collection account was last reported on my credit report on XX/XX/19.
Company Response:
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A