I sent in the death certificate and now i neeed the total so that i can pay it all

Here's a follow up letter being sent to LVNV. If they don't comply, They're going to be sued.

LVNV Funding LLC
P.O. Box 10584
Greenville, SC 29603

To Whom It May Concern:

I am writing this as a follow up to a letter I received from you on 7/15/06 in response to the letter that I sent your company via certified mail on 7/3/06. While I appreciate the return letter you sent me, it still doesn't rectify the problem here. Your letter has failed to validate anything to me. As stated in my previous letter along with numerous recorded conversations that I've had with your customer service representatives, this account is reporting completely wrong and I don't believe that it was mine. It's reporting completely and blatantly inaccurate and has caused me a great deal of stress due to being declined credit and a home equity loan because of your purposeful and erroneous reporting. If I don't receive confirmation within fifteen days that you've deleted this tradeline from all three Credit Bureaus, I'll have no choice but to report this incident to the FTC, BBB, and Attorney General in both my State of Texas along with the State AG of South Carolina. In case you're not aware, section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan).

I honestly feel that I've exhausted every possible option in rectifying this situation with LVNV. The next step will be through my legal counsel as I will spare no expense in order to rectify this situation. There's a total of at least nine violations on my credit report from your company alone. This is the last letter that I'm going to send to LVNV, the next one will be through my attorney along with his demands. You have 15 days from receipt of this letter to send me a confirmed deletion from all three credit bureaus. If I receive this confirmation within 15 days, no further action will be taken against LVNV. If I don't receive confirmation, I will report LVNV to both Attorney Generals, along with the BBB and FTC. I will also be filing a lawsuit in Hidalgo County, Texas for the numerous violations.

I look forward to a timely and amicable resolution to this matter.

Sincerely yours,


my name and address

I had a account charge-off in 2001. LVNV purchased this debt, I noticed they are adding interest fees and reporting the debt as a factoring account and also they list I am late 120 days and on top of that, they list that the account was opened by me in 6/2003 when in fact the account was opened in 9/1999. What can I do to get them straight. I wanted to pay the account but I was told it would not help my credit score. I don't mind accurate facts being reported but inaccurate made up intentional lies--I will not stand for that. Someone please help. I live in Texas and I am not a deadbeat, I just ran into some hard times about 6 years ago and couldn't afford to pay the account. Thanks and any comments will be appreciated.

[Bossy4455]

I Hate LVNV-Way to go-let me know what happens.LVNV bought my Sears debt that was opened in 1982 and nothing charged on it for 10+ years,the only problem is,we were stupid and have been paying Sears for all these years,probably thousands and thousands in interest,finance,etc. I repeatedly tried to work out payments,just got verbally abuse. Also,they have not validated my debt as the ones who are authorized or anything. I,too,sent a follow up letter to inquire about the DV letter,but no response. Theyalso broke numerous fdcpa reg.,which I pointed out to the in my follow up letter-good luck ...Karen

[IncredibleHelp]

Carol, dispute the item with the credit bureau. They will pull information from the original company as well as from the CA and update your credit file with correct information. Since this account took place long time back, you should also check the SOL of the state where this account was opened. It seems that by changing the date of reporting, LVNV has tried to re-age the accounts. This is illegal as per the FCRA laws. If you are able to prove out with your facts, you can file a legal case against the company and compensate you for the damage. Try dealing with the original company also for getting the original facts.

I just pulled my credit report, seems I had a sears charge from 2002 that I thought was paid, but wasn't I've recently started to get phone calls about 10 a day on both my home phone and cell phone stating that if I don't call they're going to notify my employer and neibors. I looked on my credit and the charge off from Sears was $1,300. LVNV FUNDING LLC says I owe $1,750. Should I send a letter to them? what should I tell them. I'll need to make installment payments are they willing to do that?

[Bossy4455]

First of all you need to make sure that your debt is not out of the SOL. Then send them a debt valedation letter(there are many examples on this forum) send it certified,return receipt. You can also add a cease and desist to that letter,that they only contact you by mail. They will be breaking numerous Fair Credit Reporting Acts,if they give tyour info to anyone else. Keep records of calls,any correspondence,etc.,for your records. Hope this helps...I ahve been dealing with them for months,they refuse payment arrangements,rude,abusive,etc.,so doing this by mail will be alot easier to deal with...Karen

Cathy Bear....DO NOT erase those recordings, the CA is in violation just by leaving those threatening messages, and don't pay these jokers any money. At least send them a DV first. LVNV has a very hard time validating their debts.

I Hate LVNV-Way to go-let me know what happens.LVNV bought my Sears debt that was opened in 1982 and nothing charged on it for 10+ years,the only problem is,we were stupid and have been paying Sears for all these years,probably thousands and thousands in interest,finance,etc. I repeatedly tried to work out payments,just got verbally abuse. Also,they have not validated my debt as the ones who are authorized or anything. I,too,sent a follow up letter to inquire about the DV letter,but no response. Theyalso broke numerous fdcpa reg.,which I pointed out to the in my follow up letter-good luck ...Karen


C-ya......gone from all three reports

LVNV FUNDING keeps raising a debt that they bought from 8 years ago. its was 2k now its almost 4k can they do this.. they are actting like they are a credit card company

[keystrokes]

Hi Anthony

A debt bought 8 years ago!!! If no payment has been done after the statutes expired and you don't have a judgment against you, the agency cannot report this debt in your credit report. Also, they should not legally force you to make even a small payment on it. One single payment can bring the account within the SOL period and chances of reporting in the credit report will become more evident. LVNV Funding is tempting you to make a wrong move. Don't do it unless you really want to pay off this account above all.

[bcatt008]

Any Idea what address to send the validation letter to?

[polly]

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Here are the addresses listed on the beginning of the thread.

We have a $3000 LVNV on my wife's credit report and we are about to refinance our house and include this on payoff. It's killing us as a collection.

Question: if we pay them off in full, how can we get them to DELETE the entire collection record? Is this something we can negotiate this or could a letter from an attorney do it? Anyone had experience with these people? They've used several other agencies to send us letters about the same debt (Brachfeld and Associates, Riddle & Associates)...nobody...NOBODY will answer our request for validation.

Any ideas? We want to work with them from a position of some leverage.

[PassionHunting]

Tom, LVNV Funding should not report in your credit file if they don't have your account details. If they would have validated the debt, it would have understood that their collection is legitimate. But, since nothing has been given to you in writing so far, their entry must be deleted from your credit copy. Dispute this item with the CRA and explain that they have failed to validate the debt and hit your credit file. The CRA will check with the company. If your dispute is found correct, the entry will be immediately removed. If it is correct, the debt should be validated by the company surely. Send your letters through CMRRR

In the last month, I have recieved a letter from 3 different attornies representing LVNV on the same account...what the heck is going on??