Goal Score: 640 
novabama wrote:
I've only got one account I can really get at the moment. I hope they will, it's a small company! And I paid through the oc. At any rate I understand where youre coming from! Just dont give up! Like I said, maye try fax and email and just keep sending. Not much to lose except some stamps. Heck since its already paid you might even try to call them. Just keep swimming, just keep swimming, eventually you'll find Nemo! That is what comes to mind when I get down or overwhelmed haha. Lack. Of. Sleep.
Completely understand! lol
Thanks for the encouragement! 
Starting Score: 7/27/12 TU 622 / EQ 584 / EX 642
Hi Wreith, can you send me a PM too with the specific wording in your BBB letter. I sent a BBB complaint on 2/22/2013, received their response today 3/6/2013 stating they own the debt and Resurgent provided Capital One statements from July, Aug, Sept 2006 and May 2007 to Jan 2008 but NO contract, dunning letter or LVNV statements from the time they claim to have purchased this debt on Feb 28, 2008. Capital One charged off account on Feb 5, 2008.
I was very clear in my original BBB complaint stating that LVNV was inaccurately and illegally reporting on my credit report. I said they failed to provide legal verification or a dunning letter. I continued with I am looking for proof this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees and/or permissible charges.
I would greatly appreciate any additional information you can provide me. Thank you so much!
matrixkitteh wrote:Hi Wreith, can you send me a PM too with the specific wording in your BBB letter. I sent a BBB complaint on 2/22/2013, received their response today 3/6/2013 stating they own the debt and Resurgent provided Capital One statements from July, Aug, Sept 2006 and May 2007 to Jan 2008 but NO contract, dunning letter or LVNV statements from the time they claim to have purchased this debt on Feb 28, 2008. Capital One charged off account on Feb 5, 2008.
I was very clear in my original BBB complaint stating that LVNV was inaccurately and illegally reporting on my credit report. I said they failed to provide legal verification or a dunning letter. I continued with I am looking for proof this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees and/or permissible charges.
I would greatly appreciate any additional information you can provide me. Thank you so much!
I'm a little confused. Did you find LVNV on your CR? That would have been the time to send a DV letter since there is no violation in them reporting before they send one. Once one is sent they are barred from collection activity until they do respond. However, unless you live in TX, they are not required to respond.
A debt validation on their part only requires them to state how much is owed and who is collecting. If you ask for the name of the OC and their address they have to give you that. That is about it. No contracts, no statements, no proof they can collect etc, is required.
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