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need help disputing LVNV funding

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gchesterton



Joined: 13 Nov 2008
gchesterton's page
Posts: 1



62 Magic Points

Subject: need help disputing LVNV funding
 
Posted on Thu Nov 13, 2008 5:27 am  

I need help disputing lvnv funding on my credit report.
My credit report does not have a date opened, date of last delinquency, charge off amount, and is missing alot of other info what can I use to dispute this? I just mailed out a dv letter. Please help
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



538 Magic Points

 
Posted on Sat Nov 15, 2008 12:45 am  

You can find a dispute letter on this forum under the stickies. You really need to get this straightened out, the dates need to be there or this debt will be there forever. There is not even a fall off date, I would get this corrected as soon as possible.
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carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Mon Nov 17, 2008 5:41 am  

Hi Gchesterton
Since you have already send a debt validation letter by certified mail, you should now wait for 30 days from the date they have received the letter. You should send the DV letter by certified mail with return receipt as a proof that you have asked for debt validation. If they can validate your debt, the validation will contain the details of your debt, the last date of your delinquency and the proof that the original creditor has sold off the debt to them. You need not dispute the listing right now, and wait for 30 days for their validation.
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Justin

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28944 Magic Points

 
Posted on Mon Nov 17, 2008 5:48 am  

Yes, I agree with Carol. However, you should note that if the CA has listed the debt in your credit report, it does not necessarily mean that they have charged off your debt. Now, if they validate your debt, you should go for a pay for deletion agreement first before you start paying off the debt. However, since the debt has been sold off to lvnv, only the CA listing will be removed and not the OC listing (if it has been listed). Now, even if your debt has been charged off by the creditor you should make arrangements to pay off the debt, provided they validate your debt, else there can be judgment against you.
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anthony

anthony

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Posted on Mon Nov 17, 2008 6:00 am  

If they cannot validate the debt within 30 days from the date of receipt of the DV letter, you can send a dispute letter to the credit bureaus telling them that you do not agree with the LVNV listing. The credit bureaus will verify it with the creditors and get it removed from your report. You can find a sample debt dispute letter if you visit the link http://www.creditmagic.org/letters/index.html
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



538 Magic Points

 
Posted on Mon Nov 17, 2008 2:32 pm  

Does this work though, have you tried this and been successful? Do you have a clue how to get negatives that are paid off on your report, I need help with this one.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



130 Magic Points

 
Posted on Mon Nov 17, 2008 11:52 pm  

What I do not get is if they varify it with the creditors they have a chance to say no. Some of these places will wait and make you hold out and you still fight to get items removed. Can't the person theirselves show they sent they certified debt vaslidation letter and never got a response to get it removed? They shoujld have to show they validated.
Mary

Mary

Joined: 06 Jul 2006
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Posts: 684



17426 Magic Points

 
Posted on Tue Nov 18, 2008 9:10 am  

Hi fireyone
You can definitely send a copy of the receipt that you received while you send the DV letter by certified mail. But this copy of the receipt does not prove that they have not yet validated your debt. It may happen that you have received the validation and still you send the dispute letter asking them to remove the listing without making any payment towards the debt. This is the main reason why the credit bureaus will again verify it with the creditors before removing the listing from your credit report.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



130 Magic Points

 
Posted on Wed Nov 19, 2008 5:59 pm  

Oh I get it now. I never thought od a person actually having the validation and still disputing it. So how does one prove that the debt has not been validated if the receipt does not work and they can not show the creditor did not validate the debt. Do they have to show validation to the credit reporting agency once it is diputed? I would think that thye would.
theicon
Guest






Subject: LVNV
 
Posted on Wed Feb 18, 2009 6:39 am  

LVNV purchased an old account from GE Money Bank in 2005. Should I send a debt validation letter to the the original creditor or to LVNV to validate the information on my credit report? From there do I go to the pay for deletion letter to the original creditor to remove both negative information from original creditor and LVNV?
Cchristopher
Guest






Subject: LVNV OFF MY CREADT REPORT
 
Posted on Sun Aug 30, 2009 2:19 am  

I disputed theme and boom there gone. I recorded all phones calls and call the ftc for vilaltions of laws. the goverment force theme off my reports YEAH!!!!!!!!!!!
Bill
Guest






Subject: Phone# and Address
 
Posted on Thu Mar 25, 2010 1:25 pm  

I have an LVNV collection debt I want to pay, but I cannot access a phone number or address to contact them. Can you help?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: LVNV funding
 
Posted on Fri Mar 26, 2010 10:17 am  

Hi Bill,

If you want to pay your bill rather than contacting them over the phone it is better to send them a letter through certified mail, requesting a return receipt. Their address information is given below:

1. LVNV Funding LLC
PO Box 10497
Greenville, SC 29603-0584
1.866.464.1183

2. LVNV FUNDING LLC
P.O.Box 3038
Evansville, IN 47730

Telephone: (886) 861-8182, (866) 464-1183
Fax: (812) 428-3523

Thanks,

Aaron
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Matt, OR
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Posted on Thu Sep 22, 2011 12:17 am  

I just want to express my sincere thanks for your help. I received a summons in Oregon from a debt collector, and had no clue what to do. I searched the web about the company suing me, and most luckily found your website popping up again and again. Your guide is amazing. Every question I had was answered, and every step explained. My case was dismissed, and they collected nothing from me. You’ve paved the way for people like me, who don't know anything about the court system.

-Matt, OR
Visit DefendASummons.com
BeachbabyMary
Guest






Subject: LVNV Funding
 
Posted on Mon Apr 16, 2012 4:18 pm  

Recently, I pulled my credit report to learn that my score, which was around 700, had dropped to 625. Reviewing the report, I found an account listed as a charge off from Chase and right under that, an account with LVNV Funding with a different delinquency date but the same account number. I have never had an account with Chase in my life, so I sent a dispute letter to the credit bureau, to Chase and to LVNV Funding by certified mail. Chase removed the item from my report, but LVNV is still there, and everytime I send a dispute letter to the credit bureau, they say "The creditor has validated this debt". However, NONE of the certified letters I send to LVNV are answered, even though they signed for the letters. In addition, after the negative from Chase was removed, my credit score dropped to 584!

The only negative I have on this report is the LVNV Funding account. All others are current, yet my credit score is still around 600. I cannot seem to get through to the credit bureaus that if this was a Chase collection account and Chase admits it is not ours, then LVNV must be removed...and that LVNV has ignored THREE DV letters, sent certified.

Any suggestions short of a lawsuit? I have filed numerous complaints with the FTC as well....oh...and Chase also attempted to use the IRS on this account as well with no luck...the IRS kicked them to the curb and we did not end up paying taxes on a "bad debt" that was not ours....I am just at a loss as to how to get rid of this one account htat appears to be dragging my credit score down almost 100 points!!!

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