i have received a letter saiying that the have sue me, i just want to know if this is posible, i mean they can take me to court??????

[JCEMT]

Welcome to the community Elsa. It is possible for them to file suit against you, however I can help you in getting it dismissed. If you can start out by answering these questions for me I will be able to better assist you.

1. Have you been served with a summons and civil complaint?
2. What is the name of the law firm that is representing them?
3. What type of debt(s) are the filing suit for?
4. When was the last time you had made a payment on this debt?
5. What state do you live in?

Hi,

I just read my credit report and found that LVNV Funding LLC is on my report for account type it is listed as assigned to Attorney, collection agency or credit grantor's internal collection department. Not sure what this means, but I never had a account with them.

Does anyone know what this means, "assigned to attorney, colelction agency or credit grantor's internal collection department."

Lisa

[JCEMT]

LVNV is a collection agency/debt purchaser. Creditors either assign them debts to collect on their behalf or they purchase old (sometimes time barred) debts, they will often report on a credit report as being open, some type of loan, and/or as a factoring company which makes them look like the original creditor, which they are not. This would damage a persons FICO score more than it should and is also a violation of the Fair Credit Reporting Act.

I, too have been harrassed by this company and other's like this. DO NOT PAY THEM ANYTHING! Go to Budhibbs.com and find out why and he will help you and lead you in the right direction!

I dont have this debt. They have sent me 2 letters saying I owed Gap and Belk credit cards. Never had them. The address I have from them is Edina, MN. What is going on?

[unclewulf]

Send them a demand for validation. Like as not, they'll slink away like the curs they are.

[greatdaymichelle]

I have been sent around the block on one of my accounts.It has landed this time with Erica Brachfeld. I got out the 2nd collection it went too which was Global Vantage and on it it said LVNV .. My Question is this if LVNV is the "Big Owner" why are they allowed to keep sending it around? They can not provide Validation the first time and the more down the collection chain it goes the less they are ever going to .So why are the allowed to get away with this?

[JCEMT]

They aren't allowed to continue collection activity while it's being disputed however LVNV has a habit of farming it out to other agencies to confuse the average consumer leading them to believe that it's been sold again. It's illegal because you sent them a validation letter and they continue collection activity. You can sue them over this as Goldenbast did.

[greatdaymichelle]

Thanks so much for your help .. This web site has been a great learning tool.. I am now connecting the dots ...
They really need to be shut down ..

Don't know what this is. but the address we got is 4285 Genesee Street
Cheektowaga, NY 14225-1943

Dont feel bad I keep getting taken to court by LVNV Funding and then they dismiss the case in 2006 and then in 2008 they are trying to sue me again for 1096.33. They never clear up the accts and keep spending more money going after people after they clear you of any charges being owed.
I have a phone # of xxxx.
Nikki in Indiana Phone number removed for your safety

[urinalboy333]

i am new here, so if any mistakes are made..... please look past it. i have a few questions. i came from the myfico forums, but it is dead slow over there.

1. lvnv is reporting that i owe from an old, 2000/2001 account from citifinancial. citi is not anywhere on my reports, as all my old stuff has fallen off due to age. they have the account listed as 2003..... which is not right in any way.

i have sent 2 debt validation requests, both cmrrr, and both have gone unanswered. i sent EVERYTHING to the CRA's, who in turn said i didn't send enough ID. as if a DL w/ SS# isn't enough..... i sent the original letters, the cmrrr's, everything. they have all reopened the investigations, but i know nothing is going to be done.

2. lvnv is also reporting as open, factoring company account, 120++ days late on an old associates card back in 2000/2001.
what is the next move, as i want this stuff off my credit. small claims court? do i have enough documentation? what should i file under?

I looked at my credit report and I notice that I have a balance with that company name "LVNV Funding" I want to make a dispute and don't know how to begin. What can I do?

[JCEMT]

@urinalboy=
In item 2 of your post these are typical FCRA violations that LVNV are usually involved with. You can first send LVNV a debt validation letter (certified mail, return receipt requested) if you need a template you can find one via my signature link, be sure to send the enclosure. Give it about a month and if you don't hear anything back from them go ahead and dispute it with the bureaus. If they come back validated then you can request the bureaus to provide validation methods used. If they cannot then they themselves can be held accountable as well.

[JCEMT]

@Leroy=
I would suggest sending them a debt validation letter as well, that should shed some light as to why they are on your credit report, please stand by and I will retrieve an address for the both of you to send those letters too.