Date Received: 2019-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX XXXX, XXXX XXXX, LVNV and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My account was originally with XXXX XXXX XXXX. My credit card info was stolen and someone charged hundreds of dollars from a hotel company in XXXX on XXXX XXXX of XX/XX/2018. The credit card company refused to take it off after multiple attempts and closed the account due to it being over the credit limit by an extreme amount.
Company Response:
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company. I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency. I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork. They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped. The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC. Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports. Thank you.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX but the debt was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX thats what list on my credit report contacted them via mail never got a return letter there phone number is not listed on my report There is 3 accounts one is for XXXX The other one is for XXXX Then XXXX I never opened a account with this company I disputed it with the bureaus and even got a police report showing the identity theft
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Lvnv is trying to collecrvon a debt that does not have my social security number whenni call they can not talk because it's not my ssn but it's on my report and they will not take it off I went on line and try to get account information I can't it's not my ssn Also this debt has been deleted and re-inserted which I am to be notified by credit regulations This company is breaking more than one law by keeping it on my report
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: The company LVNV is taking me to trial court for this on XX/XX/19.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports. Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}. I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've recently noticed a derogatory line for a collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication or dunning letter stating anything about a debt. This just showed up on my credit report without knowledge of what this is or any validity to it. If there was a form of communication or notice received in I would have been able to dispute or validate this alleged debt. However, this was input on my report in the middle of me closing on a home which has caused major issues when this simply hit my credit report out of nowhere. I am disputing the validity of this debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector. The date ; in which LVNV Funding, LLC sent me notification of this debt or any attempts at all to collect. The billing statements of this debt to prove the amount of debt alleged to me per FDCPA Sec. 809. ( a ) Notice of debt ; contents This is not an acceptance nor acknowledgment of this debt. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b )
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX called about an XXXX CC account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A