wrong person
Date: Mon, 09/13/2010 - 20:40
I got for the first time a debt collector letter on 2009 form an agency collector but the original debtor was LNVN FUNDING LLC. I sent the validation debt letter and obviously, they never sent me back any response or proof that the debts is mine. I know that the debt does not belong to me because I check my credit with the 3 agency and the original account is not stated on my credit report. Since the first letter, I have received about 4 or 5 more letter on different time from other collection agency but after I sent the validation debt, they don't response. The think I am tired spending money (every time I sent the validation debt certified with return receipt) and answering those letter and they never send any further information. Should I file a complaint with the General attorney? The last letter that I received from another collection agencywas today. Should I hire an attorney to fight that?
There is no violation if it is a different collection agency con
There is no violation if it is a different collection agency contacting you each time.
LNVN is a junk debt buyer...they buy up credit card accounts. Just because a debt is not on your credit report, doesnt necessarily mean it is not yours...it just may be a debt that is out of SOL and has dropped off.
Quote:Originally Posted by SOAPLADYThere is no violation if it i
Quote:
Originally Posted by SOAPLADY There is no violation if it is a different collection agency contacting you each time. LNVN is a junk debt buyer...they buy up credit card accounts. Just because a debt is not on your credit report, doesnt necessarily mean it is not yours...it just may be a debt that is out of SOL and has dropped off. |
First of all, thank you for answering me.
But, I know that the debts does not belong to me because since I received the first letter, I check with all the account numbers that I have since I started opening the first accounts. I keep all the statements and when they change the number for any promotion or other reason, I link that account with the old account. In this way, I know that the new account reemplace the old one. None statement has the originator account number that show on their letters . Also, I keep all the letters from the creditors that they sent me stating that my account is paid in full or closed with them and no balance is pending on that account. Shoud I send the DV again?
If you're certain you don't owe the debt, send a cease and desis
If you're certain you don't owe the debt, send a cease and desist letter to the collection agency.
Send the C & D letter via certified mail with a request for retu
Send the C & D letter via certified mail with a request for return receipt. If the CA continue to contact you even after receiving the letter, file cases against them with the FTC and the BBB.
Thank you for your answers everone, I do not know where to sen
Thank you for your answers everone,
I do not know where to send the C & D. According to the letters the original creditor was GE financial-JC Penney (aparently they sold the debt to LNVN). Now, LNVN send the debt to other agency collectors (those agencies contacted me, not LNVN). When I received the first letter, from the third agency I sent DV (certified mail/return receipt). They never response. After time, another agency call me and send the letter asking for the payment. Again I sent the DV on the same way. Same thing no response. This is happening like 5 or 6 times. Seems like evertime that I send the DV, the agencies return the debt to LNVN & they look for another agency. Should I send the C&D directly to LNVN? Does any one have a sample letter?
It sounds like LNVN owns the debt currently and is simply assign
It sounds like LNVN owns the debt currently and is simply assigning CAs to contact you and try to collect. I would send the cease and desist letter directly to them. They may sell the debt to another junk debt buyer and you'll have to do this again, but - it will eventually stop. Again, you need to be certain this is not your debt before sending a C&D. You can go to the sample letter section of this forum and tailor the C&D letter to meet your needs. www.debtconsolidationcare.com/letters/