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LVNV Funding LLC: What to do if you find them on your credit report

LVNV Funding LLC is a collection agency that works for creditors to collect on charged-off debt accounts. However, most of the time LVNV appears to forward their accounts to various other collection agencies and attorneys for collection instead of managing the accounts themselves. If you want to know what to do if you find LVNV listing on your credit report or how they treat consumers, check out the topics given below:

What to do when LVNV Funding shows up on your credit report

Here's what you need to do when LVNV account shows up on your credit report or when a collection agency (CA) insists that you pay a debt they acquired from LVNV.

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  • Check if the Statute of Limitations (SOL) has expired: If the SOL has expired, then you don't have to worry about them taking you to court. If yes, then send an SOL Expiration letter to the CA asking them to stop contacting you.
  • Request a validation of the account: If you find that the SOL hasn't expired, and you're not sure whether you owe money to LVNV Funding LLC, send a request to validate the debt. Once you have proof that you owe the balance on the account, negotiate a payment agreement or a settlement agreement.
  • Dispute the debt: You need to dispute the account if:
    • You do not have an account with LVNV: If you didn't open the account LVNV Funding LLC wants you to pay on, you should co-ordinate with the credit bureaus and have the listing deleted from your report.
    • You've already paid the bill: In this case, dispute the item with the collection agency and the CA will verify it with your original creditor. You should also co-ordinate with the credit bureau so that the account shows up as "Paid" on your credit report. However, you'll have to provide proof that you have paid the bill.
    • The account shows up on your credit report even after 7 years and 180 days: Usually accounts with negative remarks shouldn't reflect on your credit report after 7 years and 180 days from the date of the first delinquency. If your account shows up even after this time period has expired, you should contact the credit bureaus and have the listing removed. You can also sue the collection agency in small claims court for violating the Fair Credit Reporting Act.

How LVNV Funding treats consumers and reports credit information

Check out these LVNV Funding complaints made by community members and guests in the DebtCC forum.

  • Filing lawsuit for wrong debt: One consumer reports that LVNV Funding LLC has filed a lawsuit against his old mother for a bill which she didn't owe. The lady had no idea as to which company has transferred credit information on her name to LVNV. Learn more...
  • No response to validation letters: Debtors complain that they receive repeated phone calls from the attorneys associated with the CA but when they send validation letters, the CA or the attorneys do not respond. One consumer sent a validation letter to one of the attorneys and after 2 months, he received a letter of response from a different attorney. However, the amount mentioned in the letter of response was similar to the amount demanded by the attorney to whom the validation letter was sent. Check out these further details...
  • Account re-entry on credit report after 7 years: LVNV Funding LLC may purchase a default account from a creditor and then report it on your credit report as a new charge with a new date. This may happen even though the negative listing has stayed on the credit report for 7 years and is about to be erased from the report. Learn more...
  • Reporting debts which are not owed: Many believe LVNV Funding LLC harasses people for money and reports outstanding balances to the credit bureaus even though consumers may not owe the money. Find out more...

    One consumer is said to have received a summons even though the CA promised to look into the matter when they were sent the validation letter. However, the papers were not stamped or signed by a court clerk. A few days later, the consumer learned that his wages would be garnished. But he couldn't just verify whether he actually owed any money. Learn the details...
  • Issue with disputed account: A consumer received a call from LVNV Funding LLC for the money he owed on an MCI account. The CA couldn't give him the account number, phone number, and other account details. The consumer had received a bill earlier from MCI, but he had refused to pay it and had disputed the amount.

    However, LVNV made sure that the account showed up on his credit report even though it had been more than 7 years. The consumer asked the CA to co-ordinate with the credit bureau so that his credit report showed "Account disputed". But LVNV didn't agree and insisted that they would only clear his credit up if he would settle the bill. Find out more...

How to contact LVNV Funding LLC

If you need to contact LVNV Funding collection agency regarding payment issues or to dispute the account held by them, use the contact information given below:

P.O.Box 3038
Evansville, IN 47730

Telephone: (886) 861-8182, (866) 464-1183
Fax: (812) 428-3523

I noticed on my credit report that there is a comp...
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I noticed on my credit report that there is a company called LVNV Funding LLC for $3195. The address and phone number are PO Box 10584, Greenville SC 29603-0584 and the LVNV Funding LLC phone number listed is 866-464-1183.

When I enter the lvnv funding phone number, (866) 464-1183 on the BBB website, it comes up with a Houston, TX address.

Has anyone dealt with this company? Have you heard of lvnv funding complaints?


Htgt123, lvnv funding, llc is located in Indiana as well as in Texas.

From where did you get the address you posted?

Sub: #1 posted on Thu, 01/05/2006 - 13:46

david david

(Posts: 1229 | Credits: )

I got lvnv funding address from my credit report.

Sub: #2 posted on Thu, 01/05/2006 - 14:13

Htgt123 Htgt123

(Posts: 156 | Credits: )

Call the bureau and confirm address of LVNV funding if you are in a fix. Do you owe anything to this company? If so, write a letter about settling this account. The stay of this account in your CR is hurting your credit rating.

Sub: #3 posted on Thu, 01/05/2006 - 14:17

david david

(Posts: 1229 | Credits: )

I know lvnv funding account is hurting my credit report. That is why I am asking anyone if they know about this company, because I have not heard of them. I just wanted some insite about the company. They only show up on one credit report.

Sub: #4 posted on Fri, 01/06/2006 - 07:43

Htgt123 Htgt123

(Posts: 156 | Credits: )

If there is no legitimate reason for LVNV Funding LLC to stay in your credit report, then you should place a dispute with them and get the account removed from your file. Here is a letter that you can use to clarify the matter:




To Whom It May Concern:

My credit rating was negatively affected by your entry to the that showed a past due status of my account with you. Therefore, I request that you submit a statement to that reflects the actual status of my credit report.

Thank you for your attention to this request.


Your Name
Be sure that you have sent this letter certified with return receipt requested.

Sub: #5 posted on Fri, 01/06/2006 - 12:29

david david

(Posts: 1229 | Credits: )

Thank you so much for having lvnv funding llc phone number. I have never heard of this company until I pulled my credit and the company was on there.

Sub: #6 posted on Tue, 01/10/2006 - 11:34


My Husband had LVNV funding collections item on his report as well and we called them awhile ago.. Come to find out it was a credit card he had through Sears back in 1998

Sub: #7 posted on Tue, 01/24/2006 - 16:24

kchriste kchriste

(Posts: 27 | Credits: )

kchriste, be sure to check the statutes before you make any payment towards the account or sign a promissory note. Check the date of last activity and see if it is within the statutes.

Under no circumstances, you will be forced to pay the debt to LVNV funding if it is past the statutes. However, if the stay of this account is too far from the 7 years mark as per the FCRA, paying it off will be improving your scores.

Sub: #8 posted on Tue, 01/24/2006 - 16:34

david david

(Posts: 1229 | Credits: )

Really? oh you know what I just looked at it and I gave wrong info, it was only from 2003. LVNV funding LLC recently sent us a letter stating we can pay $20 a month after we called an inquired about it and they said we are to pay it in full and there are no settlments.

Sub: #9 posted on Tue, 01/24/2006 - 17:32

kchriste kchriste

(Posts: 27 | Credits: )

If it's a legitimate debt, don't roll it further. Consider paying it off at one single time. It will only improve your credit worthiness. You are already trying hard to improve your ratings. Any constructive steps taken will be helpful to your credit worthiness.

Sub: #10 posted on Tue, 01/24/2006 - 17:36

john john

(Posts: 1231 | Credits: )

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