Collection Agencies and Creditors

LVNV funding LLC purchases charged-off a/c from creditors

Message

Author

Posted: Wed Nov 07, 2007 8:38 am Post subject:

WHAT IN THE HELL IS LVNV BECAUSE IT'S ON MY REPORT AS WELL AND I JUST TURNED 18. HOW DO I HAVE CREDIT?

Guest

Debtcc Points: 100

Posted: Wed Nov 07, 2007 3:55 pm Post subject:

Mr. Guest above Read this thread it has an amazing amount of information, and lots of helpful advice on how to deal with LVNV.

Rolo
Guest

Debtcc Points: 100

Posted: Wed Nov 07, 2007 10:29 pm Post subject: to make a deal with yuor co.

I'LL LIKE TO HEAR FROM YOU ,SO WE CAN MAKE ARRENGEMANTS TO PAY MINE DEBT.

carlos ruz
Guest

Debtcc Points: 100

Posted: Thu Nov 08, 2007 10:31 am Post subject:

Carlos, you would like to hear from who-LVNV, or the credit counselor? We are not LVNV, but a site relating to people discussing and learning about debt and credit. If you will scroll up and read alot of the posts, they are well known for dunning people that don't owe them, harassment, etc. I have been dealing with them for coming close to 2 years, and it hasn't been pretty!! If you have further questions, please ask..karen _________________ As long as you are alive, there's always hope

Bossy4455
Moderator

Joined: 27 Feb 2006
Posts: 5470

Debtcc Points: 64269

Posted: Fri Nov 09, 2007 7:50 am Post subject:

Update.... TransUnion has finished the investigation and the LVNV account has been REMOVED from my credit report! Success!!!! cheering This just goes to show that the advice on this thread pays off. I am just lucky I didn't have to sue (knocking on wood). Hopefully, they will stop all their efforts against me. Thanks!

Rolo
Guest

Debtcc Points: 100

Posted: Mon Nov 12, 2007 8:34 pm Post subject: LVNV FUNDING LLC KILLING MY CREDIT

I have been paying close attention to my credit report lately and for the life of me I cannot figure out WHO this company (LVNV FUNDING LLC) IS... or why they are SOOOO SCREWING WITH MY CREDIT. I am about to come unglued, but determined to get to the bottom of this... Right now I am investigating AND VENTING...I CAN'T BELIEVE HOW MANY OF YOU ARE HAVING THE SAME PROBLEM...I WILL READ FURTHER IN THIS FORUM...PERHAPS SOMEONE HAS SOLVED THE MYSTERY! I hope this reaches ANYONE who has had the same issue because it really affects your credit score...WE HAVE TO STOP THIS MADNESS...My personal credit is not that bad, these inquiries EVERY month have GOT TO STOP!! SEND INPUT AND REPLY, I AM WAITING!! Signed, "Out there to work hard and do good" _________________ Register today to encash debtcc points.

pskirvin
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Debtcc Points: 100

Posted: Mon Nov 12, 2007 8:43 pm Post subject: LVNC FUNDING LLC

YOUR HELP IS PRICELESS...I AM SO GOING AFTER THIS COMPANY BECAUSE I HAVE CHECKED AND I OWE THEM NOTHING...(MY SEARS ACCOUNT WAS CLOSED IN 1982, PAID IN FULL, I NOTICED SOME PEOPLE HAD PROBLEMS WITH THIS ISSUE, DO YOU KNOW OF THIS SAME CO IS ASSOCIATED WITH JC PENNEY?)

pskirvin
Guest

Debtcc Points: 100

Posted: Tue Nov 13, 2007 11:02 pm Post subject: Update for me too!!

After disputing for a long time with a 3 agencies about LVNV Funding and another company Federal Pacific Credit. They are removed from Transunion. Wooo Hooo!!! Yippy. The bad news is that Federal Pacific is still calling after getting the boot saying they are going to report the debt to the IRS so i have to pay taxes on an unpaid debt that I paid for and have proof of paying in 2005. WTF!! What to do now? I am still anticipating removals from the other 2 credit bureaus. I already got a letter from Experian saying i didnt provide enough info on who i was. Go figure, I sent a 3 companies the same info but wasnt enough for 1 of the companies. Can collectors re-appear after getting deleted from your report? That would be illegal correct?

Joined: 25 Oct 2007
Posts: 7

Debtcc Points: 197

Posted: Wed Nov 14, 2007 12:41 am Post subject:

I can only write that letter to LVNV Funding if the previous debt is paid off right? I think mine is from a SEARS card, but the SEARS card still has a balance and is in collections. And then this LVNV is the same amount. So, I figure I can only write that letter to LVNV saying to get off my credit report if SEARS is already paid right? And why is this balance listed on there twice? If it says I owe it to SEARS why is it listed with LVNV too? thanks!

payingitback
Guest

Debtcc Points: 100

Posted: Wed Nov 14, 2007 5:42 am Post subject:

Well Fresh69, if you can prove that you paid for it in 05. Then you can help the IRS nail them for tax evasion and fraud. Not sure if there is anything else that can be added to that. Basically they are trying to defraud the IRS and evade paying a portion of their taxes by filing a false claim via bad debt. _________________ Regards JCEMT Here is a list of resources for the community Site TOS

JCEMT
Moderator

Joined: 10 Sep 2007
Posts: 2996

Debtcc Points: 27124

Posted: Wed Nov 14, 2007 2:29 pm Post subject:

Thanks JCEMT, I just tracked down the collector who sold the account to the one mentioned above and they faxed me a copy of the debt sold to HAR. Well FEDPAC said that copy along with my bank statement in conjunction with one another is stil not enough to prove i paid the debt for them and said they are goig to report me to the IRS to pay taxes on an unpaid debt. What a crock and i contacted the Attorney general in NY where the debtor is located and unable to get a hold of the debtor i paid Originally. I hope this makes sense.

Joined: 25 Oct 2007
Posts: 7

Debtcc Points: 197

Posted: Wed Nov 14, 2007 3:03 pm Post subject:

Contact the entity that you paid, get a paid in full letter, fax it to your current creditor. That should be proof enough. If they still threaten to file it with the IRS you can contact the IRS about it. Use the same documentation that you received (that they state wasn't good enough) as well as the paid in full letter that I suggested you obtain. You can use those as proof that they just provided false filing documentation, it will probably result in an audit of their company. That should be fun for them... _________________ Regards JCEMT Here is a list of resources for the community Site TOS

JCEMT
Moderator

Joined: 10 Sep 2007
Posts: 2996

Debtcc Points: 27124

Posted: Wed Nov 14, 2007 7:23 pm Post subject:

Well heres the hard part. The creditor that i paid is no longer in buisness due to its shady practices. They are on BBB 3 times under different addresses as bad buisness in NY. All available phone numbers for the buisness are disconnected.

Guest

Debtcc Points: 100

Posted: Wed Nov 14, 2007 7:25 pm Post subject: Forgot to sign in

That was me as guest above and i didnt sign it for quick response. OOps!

Joined: 25 Oct 2007
Posts: 7

Debtcc Points: 197

Posted: Sat Nov 17, 2007 5:15 am Post subject: credit report

yes i have yall on my credit report as openin a account in mar of 07 but ive been in afghanistan since feb of 07 i want this off my report asap Profanity deleted - Bossy4455

demarcus king
Guest

Debtcc Points: 100

Posted: Sat Nov 17, 2007 8:26 am Post subject:

Demarcus- We are not LVNV.We are a forum and community dedicated to helping others with their debt and credit issues and to help with answers they may have. You need to contact the Credit Reporting agency and dispute this. Good Luck karen. _________________ As long as you are alive, there's always hope