Disputed item with CRA and outcome
Date: Sun, 01/24/2010 - 19:53
I have Disputed an entry from my OC with the CRA about the listing on my credit report and also about the LVNV Funding listing. I received an answer back from the CRA:
[FONT=ArialMT-ANSI]Thank you for giving Equifax the opportunity to serve you.[/FONT]
[FONT=Arial-BoldItalicMT-ANSI]The Results Of Our Reinvestigation[/FONT]
[FONT=Arial-BoldItalicMT-ANSI](For your security, the last 4 digits of account number(s) have been replaced by *)[/FONT]
[FONT=Arial-BoldItalicMT-ANSI](This section includes open and closed accounts reported by credit grantors)[/FONT]
[FONT=Arial-BoldItalicMT-ANSI]Credit Account Information[/FONT]
[FONT=Calibri]>>> We have researched the credit account. Account # - xxxxxxxxxxx* The results are: Equifax has verified 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 item please contact: [/FONT]
[FONT=Arial-BoldItalicMT-ANSI]Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183[/FONT]
[FONT=ArialMT-ANSI]Current Status - Collection Account; Type of Account - Open; Type of Loan - Debt Buyer Account; Whose Account - Individual Account; ADDITIONAL INFORMATION – Consumer Disputes This Account Information; Collection Account;[/FONT]
[FONT=ArialMT-ANSI] [/FONT]
[FONT=Calibri]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact: Household Credit Services, PO Box 98706, Las Vegas NV 89193-8706 Phone: (800) 477-6000[/FONT][FONT=ArialMT-ANSI][/FONT]
Does this mean they deleted the OC's listing or LVNV's listing?
Thanks.
[FONT=ArialMT-ANSI]Thank you for giving Equifax the opportunity to serve you.[/FONT]
[FONT=Arial-BoldItalicMT-ANSI]The Results Of Our Reinvestigation[/FONT]
[FONT=Arial-BoldItalicMT-ANSI](For your security, the last 4 digits of account number(s) have been replaced by *)[/FONT]
[FONT=Arial-BoldItalicMT-ANSI](This section includes open and closed accounts reported by credit grantors)[/FONT]
[FONT=Arial-BoldItalicMT-ANSI]Credit Account Information[/FONT]
[FONT=Calibri]>>> We have researched the credit account. Account # - xxxxxxxxxxx* The results are: Equifax has verified 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 item please contact: [/FONT]
[FONT=Arial-BoldItalicMT-ANSI]Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183[/FONT]
[FONT=ArialMT-ANSI]Current Status - Collection Account; Type of Account - Open; Type of Loan - Debt Buyer Account; Whose Account - Individual Account; ADDITIONAL INFORMATION – Consumer Disputes This Account Information; Collection Account;[/FONT]
[FONT=ArialMT-ANSI] [/FONT]
[FONT=Calibri]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact: Household Credit Services, PO Box 98706, Las Vegas NV 89193-8706 Phone: (800) 477-6000[/FONT][FONT=ArialMT-ANSI][/FONT]
Does this mean they deleted the OC's listing or LVNV's listing?
Thanks.
It sounds like they verified LVNV funding and deleted the origin
It sounds like they verified LVNV funding and deleted the original creditor because the debt is now owned by LVNV.
[QUOTE]
Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183
[FONT=ArialMT-ANSI]Current Status - Collection Account; Type of Account - Open; Type of Loan - Debt Buyer Account[/FONT]
[/QUOTE]
Keep checking back for more replies, I'm not possitive I am correct, but that's how I am reading it.
