Question of dispute with CRA and deletion
Date: Sun, 01/24/2010 - 11:21
I pulled my Experian credit report and noticed some discrepancies on it regarding the OC's report. It was shown as the last payment was in July 2008 and the date of first delinquency was Aug. 2008 and was chaged off in 2/2009 but it then showed a payment in March. My statement to the CRA was if it was charged off in 2/2009, then how is there a payment received on 3/2009?
I also disputed the entry by LVNV Funding as showing up as a Factoring account and the account showing as open with the date of major delinquency first reported as 6/2009.
I received this reply from the credit bureau:
[LEFT][FONT=ArialMT-ANSI][SIZE=2]Thank you for giving Equifax the opportunity to serve you.
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]The Results Of Our Reinvestigation[/SIZE][/FONT]
[FONT=Arial-BoldItalicMT-ANSI][SIZE=1](For your security, the last 4 digits of account number(s) have been replaced by *)[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]
[SIZE=1](This section includes open and closed accounts reported by credit grantors)[/SIZE]
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Credit Account Information[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]J
[/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: [/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]Equifax has verified[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]
[LEFT][SIZE=2]that the last payment date is reporting correctly. This creditor/agency has verified to Equifax that the date of last activity is being reported correctly. Equifax has verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this[/SIZE]
[SIZE=2]item please contact: [/SIZE][/LEFT]
[/LEFT]
[/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]
[LEFT][/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]Lvnv Funding LLC [/LEFT]
[/LEFT]
[/SIZE][/FONT][/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]PO Box 10497 Greenville SC 29603-0497 : (888) 665-0374[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Account Number xxxxxxxxxxx Date Opened 03/2009 High Credit $1,270
[SIZE=1]Date of Last Paymnt[/SIZE]
[SIZE=1]Scheduled Paymnt Amount[/SIZE]
[SIZE=1]Actual Paymnt Amount[/SIZE]
[SIZE=1]Amount Past Due $1,349 [/SIZE]
[SIZE=1]Balance Amount $1,349 [/SIZE]
[SIZE=1]Items As of Date Reported 1/2010[/SIZE][/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1][LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Date Maj. Del. 1st Rptd 6/2009
[SIZE=1]Activity Description Creditor Classification -[/SIZE][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Financial[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1][/LEFT]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Months Revd 6 [/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Current Status - Collection Account; Type of Account - Open; Type of Loan - Debt Buyer Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Consumer
[SIZE=1]Disputes This Account Information; Collection Account;[/SIZE]
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: [/LEFT]
[/LEFT]
[/SIZE][/FONT][/SIZE][/FONT][LEFT][FONT=ArialMT-ANSI][SIZE=2]This item has been deleted from the credit file. If you have additional questions about this item please contact: Ho[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]usehold Credit Services, PO Box 98706, Las Vegas NV 89193-8706 Phone: (800) 477-6000[/SIZE][/FONT]
[LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]What does this mean? Did they keep the LVNV listing and remove the OC's listing?[/SIZE][/FONT][/SIZE][/FONT][/LEFT]
[LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Any help would be appreciated.[/SIZE][/FONT][/SIZE][/FONT]
[FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]What other steps can I take to help clean up the report dealing with LVNV Funding?[/SIZE][/FONT][/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][SIZE=2][/LEFT]
[/SIZE][/SIZE][/FONT]
[/LEFT]
I also disputed the entry by LVNV Funding as showing up as a Factoring account and the account showing as open with the date of major delinquency first reported as 6/2009.
I received this reply from the credit bureau:
[LEFT][FONT=ArialMT-ANSI][SIZE=2]Thank you for giving Equifax the opportunity to serve you.
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]The Results Of Our Reinvestigation[/SIZE][/FONT]
[FONT=Arial-BoldItalicMT-ANSI][SIZE=1](For your security, the last 4 digits of account number(s) have been replaced by *)[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]
[SIZE=1](This section includes open and closed accounts reported by credit grantors)[/SIZE]
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Credit Account Information[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]J
[/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: [/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]Equifax has verified[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=2]
[LEFT][SIZE=2]that the last payment date is reporting correctly. This creditor/agency has verified to Equifax that the date of last activity is being reported correctly. Equifax has verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this[/SIZE]
[SIZE=2]item please contact: [/SIZE][/LEFT]
[/LEFT]
[/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]
[LEFT][/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]Lvnv Funding LLC [/LEFT]
[/LEFT]
[/SIZE][/FONT][/SIZE][/FONT][LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]PO Box 10497 Greenville SC 29603-0497 : (888) 665-0374[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=1]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Account Number xxxxxxxxxxx Date Opened 03/2009 High Credit $1,270
[SIZE=1]Date of Last Paymnt[/SIZE]
[SIZE=1]Scheduled Paymnt Amount[/SIZE]
[SIZE=1]Actual Paymnt Amount[/SIZE]
[SIZE=1]Amount Past Due $1,349 [/SIZE]
[SIZE=1]Balance Amount $1,349 [/SIZE]
[SIZE=1]Items As of Date Reported 1/2010[/SIZE][/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1][LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Date Maj. Del. 1st Rptd 6/2009
[SIZE=1]Activity Description Creditor Classification -[/SIZE][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Financial[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1][/LEFT]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Months Revd 6 [/LEFT]
[/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]
[LEFT][/SIZE][/FONT][FONT=ArialMT-ANSI][SIZE=1]Current Status - Collection Account; Type of Account - Open; Type of Loan - Debt Buyer Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Consumer
[SIZE=1]Disputes This Account Information; Collection Account;[/SIZE]
[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: [/LEFT]
[/LEFT]
[/SIZE][/FONT][/SIZE][/FONT][LEFT][FONT=ArialMT-ANSI][SIZE=2]This item has been deleted from the credit file. If you have additional questions about this item please contact: Ho[/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]usehold Credit Services, PO Box 98706, Las Vegas NV 89193-8706 Phone: (800) 477-6000[/SIZE][/FONT]
[LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]What does this mean? Did they keep the LVNV listing and remove the OC's listing?[/SIZE][/FONT][/SIZE][/FONT][/LEFT]
[LEFT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]Any help would be appreciated.[/SIZE][/FONT][/SIZE][/FONT]
[FONT=Arial-BoldItalicMT-ANSI][SIZE=2][FONT=Arial-BoldItalicMT-ANSI][SIZE=2]What other steps can I take to help clean up the report dealing with LVNV Funding?[/SIZE][/FONT][/SIZE][/FONT][FONT=Arial-BoldItalicMT-ANSI][SIZE=2][SIZE=2][/LEFT]
[/SIZE][/SIZE][/FONT]
[/LEFT]
It seems that the original creditor's entry has been deleted fro
It seems that the original creditor's entry has been deleted from your report. The creditor might have agreed to remove the entry since they have sold it to the collection agency.
However, since LVNV has successfully confirmed the account to the CRA, it'd be difficult to get it removed.