LVNV Funding LLC: What to do if you find them on your credit report

It will reset the STATUE OF LIMITATIONA TO DAY 1, this company is known for suing and garnishing and obtaining judgements falsly basically.

I have LVNV on my credit report. They report a different amount to each credit agency. For example, at Trans Union they report $5,900 past due. On Equifax they report $6,029 past due. On Exprian they report $6,122 past due. This is for a Providiaan account they say is mine.

Does Providian send LVNV a copy of the original agreement?

Bea- Did LVNV purchase your Providian account? If so, they probably don't have anything original. Do not take their word on anything. I would send a debt validation letter to them and possibly dispute with the credit reporting agencies as to a different amount..Let us know what happens..KAren

I called the county clerks office an they told me to go to the web site and loo it up and guess what I couldt nit find any record of ME so this letter was a lie and in the state of Texas it's 4 years, so of I did have any kind of account that was outstanding the 4 years are up because I pay my bills and I have paided my bills every months since I retiered.
Thaks for helping me.

Well I was wrong I am being sued by them. I looked at my credit report and they are on it with no date when the account was opened. I have a attorney now. As fare as my SEARS account my last payment to them was 02-2002(found my back statment). This is so crazy


Mickey Lewis
Rexas

Mickey- were you served a summons, is that how you found out you were sued? If your payment was made that far back-try to find out when it became deliquent. I am sure your attorney is doing this too.

How much is this debt for?

Good Luck, and keep us posted on what happens..KAren

But LVNV Funding is sueing me for $5769? No I have not been served, I received a letter from a attorney's office letting me know that I was beiong sued. I got the file from my county clerks office and I received a letter from a lawyer about this case. I have not gotton anythiong from Sears in years so this is all new to me and my husband and I have never gootn one thing fron LVNV Funding LLC.
I will let you know what happens when it does happen. Can't worry about this because this is so crazy.

Mickey Lewis
Texas

Of my I found a few statements from Sears back in 2002 where I did miss some payments I can't believe I stopped paying them, I guess it was due to my husband being ill with cancer. It's been 5 years since I've heard from them I have'nt signed the papers for the attorey and I have'nt paid the fee. Now what?Yes the amount is very different..

Mickey

I need to send a letter. I was told that this company has reported information 3 times on my report. This is really has a negative impact on my credit score. Help?????

Mickey- you really need to have your attorney look into them, I would question as to whether this is out of the SOL, and they are legally bound to be able to collect this.

Talk with your attorney, and find out what he is saying about them, and also what answer he has filed in response to the summons..Good Luck-keep us posted

TK- you can dispute these items on yur credit report if they are not suppossed to be there..KAren

I've still waiting to be served. Today is Sept. 3, 2007 and as of this date I have not been served. They filed on the 6th of Aug. SO I woder what's up with that. The papers from the courts says citbank/sears so I guess they did buy the SOL account from them for penny's on the dollars (Texas is four years) and now they want me to pay over $5000.00 I don't think so, as I said before I have not paid the attorney any fee's yet because I'm waiting to be served, then I have 21-27 days to do what ever. I wonder why they have'nt served me yet. I've lived here for 31 years. I am going to get this off my credit report.
Mickey

They collect for store creit card debit.
They also collected for Montgomery Wards

This suddenly appeared on my credit report after I tried to open an account through Bank Of America. I had just checked my credit report and it was very clean, then I tried to open an account with Bank of America. I received an email saying that they could not give me an account based on information on my credit report. I checked again and low and behold this LVNV Funding LLC appeared on my report. I'm not sure what it is or where it came from. The address i have on my report from them is PO BOX 10584, Greenville, SC 29603-0584, 866-464-1183.

I just received a letter from RPM stating that I owe LVNV Funding LLC money, when I asked about the bill they stated that it was through MCI which I have never had MCI I asked when this debt occured and they stated 06/21/01, I processed to tell them that I would like and itemized bill from the original creditor and RPM stated that they are to only collect money and that they do not have copies of the billing. I also stated to RPM that statue of limitations in CA where this debt orginally occurred is 4 years, the women on the phone reply back to me was oh is that what you tell everyone, well you have a bill and it has been sent to me to collect and you will pay it. I hung up on her. What should I state in the letter and can they take a fax copy of a letter disputing it? Please help I think they are trying to get money randomly

You are right to be concerned about LVNV! This happens alot. Here is a link to a debt validation letter at http://www.debtconsolidationcare.com.../about216.html you can tweak it to fit your needs.

Make a copy of all correspondence-yours and theirs. Make notes of when you talked with them,dates and times- you may need this later.

Send all your correspondence certified, return receipt at the post office. It costs more, but you will have proof they received it.

LVNV doesn't validate-or they haven't mine. The next step would be to write them and tell them to cease and desist from contacting you, if you know this is not your debt.

If you need more help, feel free to ask questions..KAren

i just got my credit report and this company came up saying i owe them 4687 and i dont know why and they didnt give me there phone number or address could some one please give them to me so i can find out whats wrong.