|
10578143
|
2024-10-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2024-10-25
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-25
|
| Complaint What Happened |
I am reaching out regarding a credit report issue that requires immediate attention, as it is impacting my ability to proceed with a home purchase.
On XX/XX/year>, I paid off my account with XXXX XXXX XXXX XXXX, and I was informed that this update would be sent to the credit bureau by XX/XX/XXXX. Despite this assurance, the account remains on my credit report as unpaid. I filed a dispute on XX/XX/year>, which was denied within XXXX hours. I filed another dispute on XX/XX/XXXX, but it was also denied within XXXX hours. When I contacted XXXX XXXXXXXX XXXX XXXXXXXX, I was informed that the account was deleted from their system, which should have removed it from my credit report.
Please investigate this matter and confirm the necessary update to reflect the account as paid in full. This update is critical for my mortgage application, and I would greatly appreciate expedited handling of this request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5790011
|
2022-07-20
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Other debt
|
| Date Received |
2022-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8516376
|
2024-03-10
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2024-03-10
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-10
|
| Complaint What Happened |
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8637184
|
2024-03-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-03-25
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6103280
|
2022-10-19
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10069348
|
2024-09-10
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-10
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-10
|
| Complaint What Happened |
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
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| Consumer Consent Provided |
Consent provided
|
|
|
9846592
|
2024-08-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Complaint What Happened |
I Kindly Request That You Throughly Investigate These Inquiries And Promptly Remove Them From My Credit Report They Are Found Inaccurate. Date Added XX/XX/2023 Legal Action Bureau Account Number XXXX * Delete this unconfirmed inquiry lacking certifiable evidence unless physically certif
ied verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act * Creditors, if you dispute a debt, and they fail to report it as disputed to the CRA 'S * UNDER THE DOCTRINE OF ESTOPPEL BY
SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS!
|
| Consumer Consent Provided |
Consent provided
|
|
|
9030210
|
2024-05-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-05-17
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2959011
|
2018-07-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Legal Action Bureau Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2018-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My first initial contact was from Legal Action Bureau on XX/XX/2018 saying that XXXX XXXX XXXX was coming after me for lack of payment. The debt collector stated that if I didnt pay the owed amount within a 24 hour period then I would be subject to my credit score being docked 50 points, assets being seized and garnished. He told me 3 different dollar amounts that would satisfy his client ( XXXX XXXX XXXX ). I told him I wasnt good with any of the options and that I wanted his info for a cease and dsist order and verification of debt. He told me that was not necessary and by law he had to stop. I didnt get any letters or information for 2 weeks and got a call on XX/XX/2018, I told him I was at work and didnt have time and hung up. He then sent me 3 consecutive text stating that he sent me an email. I then checked my email and saw n attachment with a contract from XXXX XXXX XXXX ( which is a docu sign with my name misspelled and signed ) I told them I wanted to see a copy of a paper contract that supposedly signed but never got it. I then recieved a call on XX/XX/2018 around XXXX XXXX from a different number for Legal Action Bureau and again I told him I was busy at work and did not have time and them hung up on him. He then called me right back and said that he was going through with affecting my credit score and taking legal action against me.
|
| Consumer Consent Provided |
Consent provided
|
|
