Date Received: 2017-10-27
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: Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to have LVNV Funding LLC to have them Verify my debt In XXXX XXXX XXXX with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. Also, LVNV funding LLC is not licensed to collect debt in the State of XXXX.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Long funding loc. XXXX XXXX XXXX XXXX. Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. I rented a home and had XXXX XXXX. I canceled service when I moved before 2014. They told me I had to turn in a piece of equipment that was located on a tall telephone poll over 30 ' tall. I told them I was XXXX and could not climb the poll and asked if they could send someone out, they said " no '' and told me to figure it out. I owed a phone bill but I could not turn in that piece of equipment so they added that to my final bill. I can not go on someone elses property or climb the poll myself so they are charging me over {$300.00} for that piece plus interest and penalties because I am unable to turn that piece in. I turned in everything else inside the home. I feel like they are discriminating and trying to force someone to pay for something that XXXX installed on the pole that I could not climb to retreave. XXXX XXXX is now collecting and I try to dispute but they say XXXX will not change the collection amount they are charging me for that piece.
Company Response:
State: KY
Zip: 40383
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. I am asking that this full amount be retuned immediately.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The account looks like it was re-aged. The date opened was XXXX/XXXX/XXXX but the date of delinquency is XXXX. How was this account late before it was even opened? The date it was reported was XXXX and the first major delinquency was XXXX and if you look at the payment history there is no late payments. I would like this account removed from my report. I disputed with XXXX but they never got back to me they just put a consumer disputes remark on the account with no explanation if and how they verified the accuracy. I dont see how the information is accurate when the account wasnt opened until XXXX yet was late XXXX before the account was even opened. Please remove account from my report.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?
Company Response:
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A