Question regarding Experian and deleted account
Date: Mon, 01/25/2010 - 08:51
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[COLOR=black][FONT=Times New Roman]Thank you for giving Equifax the opportunity to serve you.[/FONT][/COLOR]
[COLOR=black][FONT=Times New Roman]The Results Of Our Reinvestigation[/FONT][/COLOR]
[COLOR=black][FONT=Times New Roman](For your security, the last 4 digits of account number(s) have been replaced by *)[/FONT][/COLOR]
[COLOR=black][FONT=Times New Roman](This section includes open and closed accounts reported by credit grantors)[/FONT][/COLOR]
[COLOR=black][FONT=Times New Roman]Credit Account Information[/FONT][/COLOR]
[FONT=Calibri][COLOR=black]>>> We have researched the credit account. Account # - xxxxxxxxxxx* The results are: [/COLOR][COLOR=black]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: [/COLOR][/FONT]
[COLOR=black][FONT=Times New Roman]Lvnv Funding LLC, PO Box 10584, Greenville SC 29603-0584 Phone: (866) 464-1183[/FONT][/COLOR]
[COLOR=black][FONT=Times New Roman]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][/COLOR]
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[FONT=Calibri][COLOR=black]>>> We have researched the credit account. Account # - xxxxxxxxxxxx* The results are: [/COLOR][COLOR=black]This item has been deleted from the credit file. If you have additional questions about this item please contact: Ho[/COLOR][COLOR=black]usehold Credit Services, PO Box 98706, Las Vegas NV 89193-8706 Phone: (800) 477-6000[/COLOR][COLOR=black][FONT=ArialMT-ANSI][/FONT][/COLOR][/FONT]
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[COLOR=black]Does this mean they deleted the OC's listing or LVNV's listing?[/COLOR]
[COLOR=black]If they deleted the OC's listing, is it possible to dispute LVNV Funding's entry as they are collecting on a debt that has been deleted?[/COLOR]
[COLOR=black]Thanks.[/COLOR]
I would get an updated report. See if one or both have been dele
I would get an updated report. See if one or both have been deleted. If one or both remain, write (enclose a copy of old and new) Equifax and ask why this is still on your report when they stated it has been deleted.. I'll bet it tehy delete it(them)....
Update on Disputed item with Experian
Hi all,
I disputed the LVNV Funding listing on my CR with the Experian and they came back really fast with an answer and said that it was verified.
What I would like to know is how they verify it. I have asked LVNV, Resurgent Captial, Assest Managment, Richard J Boudreau to send validation of the debt and the most I got was a piece of type written paper that stated my name, name of the creditor, acct. number, and the amount they are asking. I know that isn't validation proper so I figured I would go through the credit reporting agency and hopefull get more information or the listing removed. Instead, I get this and would like to know if there is a way to fight this listing. It is listed as an installment and terms of 1 month. The original creditor closed the account in Feb. 2009 and charged it off. It looks like LVNV picked it up in March of 2009 and has almost doubled the amount owed.
does anyone see anything here that can be disputed with the way they are listing it or should I again ask LVNV to validate the debt as they didn't really validate it.
LVNV FUNDING, LLC
Address: Account Number:
PO BOX 10497 XXXXXXXXXX
GREENVILLE, SC 29603 Original Creditor:
HSBC/ORCHARD BANK
(866) 464-1183
Status:
Collection account. $1,354 past due as of Feb 2010.
Status Details:
This account is scheduled to continue on record until May 2015.
This item was verified and updated on Feb 2010.
Date Opened:
03/2009
Reported Since:
02/2010
Date of Status:
02/2010
Last Reported:
02/2010
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
NA
High Balance:
$1,270
Recent Balance:
$1,000
Recent Payment:
$0
Account History:
Collection as of Feb 2010
send a certified letter of validation to the company giving them
send a certified letter of validation to the company giving them 30 days to respond. If they do not respond nor validate the debt your next course of action would be to contact the bureau again with the information and if that does not work then you have the right to go after the bureau itself. Which by the way usually works best if handled in the same manner with a certified letter. If all else fails then you can sue the bureau and the company.
