LVNV Funding LLC: What to do if you find them on your credit report
LVNV Funding LLC is a collection agency that works for creditors to collect on charged-off debt accounts. However, most of the time LVNV appears to forward their accounts to various other collection agencies and attorneys for collection instead of managing the accounts themselves. If you want to know what to do if you find LVNV listing on your credit report or how they treat consumers, check out the topics given below:
- What to do when LVNV Funding shows up on your credit report
- How LVNV Funding treats consumers and reports credit information
- How to contact LVNV Funding LLC
What to do when LVNV Funding shows up on your credit report
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- Check if the Statute of Limitations (SOL) has expired: If the SOL has expired, then you don't have to worry about them taking you to court. If yes, then send an SOL Expiration letter to the CA asking them to stop contacting you.
- Request a validation of the account: If you find that the SOL hasn't expired, and you're not sure whether you owe money to LVNV Funding LLC, send a request to validate the debt. Once you have proof that you owe the balance on the account, negotiate a payment agreement or a settlement agreement.
- Dispute the debt: You need to dispute the account if:
- You do not have an account with LVNV: If you didn't open the account LVNV Funding LLC wants you to pay on, you should co-ordinate with the credit bureaus and have the listing deleted from your report.
- You've already paid the bill: In this case, dispute the item with the collection agency and the CA will verify it with your original creditor. You should also co-ordinate with the credit bureau so that the account shows up as "Paid" on your credit report. However, you'll have to provide proof that you have paid the bill.
- The account shows up on your credit report even after 7 years and 180 days: Usually accounts with negative remarks shouldn't reflect on your credit report after 7 years and 180 days from the date of the first delinquency. If your account shows up even after this time period has expired, you should contact the credit bureaus and have the listing removed. You can also sue the collection agency in small claims court for violating the Fair Credit Reporting Act.
How LVNV Funding treats consumers and reports credit information
Check out these LVNV Funding complaints made by community members and guests in the DebtCC forum.
- Filing lawsuit for wrong debt: One consumer reports that LVNV Funding LLC has filed a lawsuit against his old mother for a bill which she didn't owe. The lady had no idea as to which company has transferred credit information on her name to LVNV. Learn more...
- No response to validation letters: Debtors complain that they receive repeated phone calls from the attorneys associated with the CA but when they send validation letters, the CA or the attorneys do not respond. One consumer sent a validation letter to one of the attorneys and after 2 months, he received a letter of response from a different attorney. However, the amount mentioned in the letter of response was similar to the amount demanded by the attorney to whom the validation letter was sent. Check out these further details...
- Account re-entry on credit report after 7 years: LVNV Funding LLC may purchase a default account from a creditor and then report it on your credit report as a new charge with a new date. This may happen even though the negative listing has stayed on the credit report for 7 years and is about to be erased from the report. Learn more...
- Reporting debts which are not owed: Many believe LVNV Funding LLC harasses people for money and reports outstanding balances to the credit bureaus even though consumers may not owe the money. Find out more...
One consumer is said to have received a summons even though the CA promised to look into the matter when they were sent the validation letter. However, the papers were not stamped or signed by a court clerk. A few days later, the consumer learned that his wages would be garnished. But he couldn't just verify whether he actually owed any money. Learn the details... - Issue with disputed account: A consumer received a call from LVNV Funding LLC for the money he owed on an MCI account. The CA couldn't give him the account number, phone number, and other account details. The consumer had received a bill earlier from MCI, but he had refused to pay it and had disputed the amount.
However, LVNV made sure that the account showed up on his credit report even though it had been more than 7 years. The consumer asked the CA to co-ordinate with the credit bureau so that his credit report showed "Account disputed". But LVNV didn't agree and insisted that they would only clear his credit up if he would settle the bill. Find out more...
How to contact LVNV Funding LLC
If you need to contact LVNV Funding collection agency regarding payment issues or to dispute the account held by them, use the contact information given below:
LVNV FUNDING LLC
P.O.Box 3038
Evansville, IN 47730
Telephone: (886) 861-8182, (866) 464-1183
Fax: (812) 428-3523



























Posts: 5800
Credits: 74318.7 Send message to Bossy4455
Is this debt still in the SOL period? I would find that out,also. Sending a dv letter to them is your legal rights under the fdcpa reg. I would do this ASAP. But don't be surprised,I am still waitng for a dv letter from LVNV.Good Luck to you...Karen
Where can I find about Statute of Limitations?
I am being sued by this company,apperantly they purchased a charge off that was deleted out of my credit in 1994 from Household bank, and now they are claiming that I owe them. I do not even know this company...can any one help? or has anyone had a similar problem?? thatnks
Yes hi,
Lvnv funding llc came up on my credit report but no address or phone number to call or write. How do i go about finding out who and why this company came out on my credit report. How can i find out what they are chargeing me for?
Thank you,
Paloma chavez
I am only 10 should I get a credit card
I just recently looked at my credit report and they are reporting 5000 plus dollar debt i have no clue what that is and who they are ?
They are a fraud. They put things on your credit report and try to get you to pay a debt you do not owe. Go search the internet for them. The newest one they are using is where they say you owe money for a bill to MCI.
I had an account with them. They are awesome to work with. I owed them a couple of hundred bucks and they gave me a credit card to cover the debt which permitted the old debt to show up paid on my credit report. The new credit card only had the credit line for my amount of debt to a Visa. That gave me the opportunity to pay off the debt and the new credit card payment gave me the opportunity to renew my credit. It is an innovative new program designed o give folks a second chance and keep you from having to come up with one lump sum. I did that and paid off the new credit card. I then balance transferred another debt onto the credit card an ddid the same thing. All the time I was making payments on the new Visa and rebuilding my credit. It worked great. In 4 mnths I went from a FICO of 480 to 600.
Rachel D, if you are only 10 years old, why on earth would you need a credit card? Do you have a job? Would you be able to pay back what you would owe? Why don't you ask your parents if they think you should have one? Something tells me they would say NO! You will have plenty of opportunity to get a credit card when you are old enough and responsible enough. Enjoy being a kid! Go ride your bike or go fishing, do something that a kid should be doing and leave the credit cards alone.
The reason you are having trouble finding out correct addresses etc is the company uses many different names and addresses. Try googling Resurgent Capital services. We got a bogus collection from LVNV Resurgent etc also.
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