L.B.Gray LLC A Debt Collection Agency CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46260	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LB GRAY LLC & BAL. {$460.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
06/01/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	KY 40207	Web
I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33054	Web
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX XXXX$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
06/25/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46219	Web
I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.
11/28/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	OH 43614	Web
Had a XXXX month lease and toward the end the apartment had mice so we did not renew the lease for XX/XX/2016 we completed an attempted to vacate form gave it to management and moved. We were not notified of a balance or given an itemized list of the balance. Recently spoke with the current manager and was told to dispute because she could not find anything and she would call when she received the dispute yet she has not called and the amount remains on my credit. This negative should be removed.
03/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
07/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46235	Web
Lb Gray for {$400.00} XXXX XXXX is Not my debt and Ive sent a dispute its been on my report for more than 7 years Also I want previous addresses removed off my report if its not current
01/10/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 627XX	Web

12/15/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22192	Web	Older American

10/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46406	Web

04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83211	Web

04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83211	Web

02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46235	Web

11/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46268	Web

11/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46268	Web

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IN 46219	Web	Servicemember

06/06/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30273	Phone	Servicemember

05/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46214	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KY 40511	Referral

07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30032	Referral

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46268	Web