07-21-2013 01:40 PM
Can a CA report an account as both open AND closed? LVNV has an account "status -open" but the account is listed under the heading of "closed accounts". I called EQ to verify the status and they said it was a closed account. Should I dispute?
07-21-2013 01:42 PM
Is it paid? A paid CA should list closed, unpaid collections are open.
07-21-2013 01:49 PM
It is not paid. I'm not even sure who the OC is and I am not able to PIF at this time. I thought it may have been an old capital 1 CC, but apparently I paid that and it has fallen off my report. EQ says it is not a CC but couldn't tell me who the OC was. Apparently, I paid another company, Tate & Kirlin, SOMETHING back in 2012 and I assume it was purchased by LVNV b/c it says it was opened in 09/2011 and I became delinquent in 11/11 but shows a last pymt date of 01/12. So I am thoroughly confused and at odds about what to do with this acct. I never even heard of LVNV until I pulled my CR.
07-21-2013 01:52 PM
Send LVNV a DV, and request the name of the OC.
07-21-2013 01:58 PM
I think I will. Can they, then demand PIF? That's my biggest concern b/c I don't have that. I have paid all my baddies except 2 medical bills and this. I am afraid that the payment(s?) [I honestly don't remember] I made to the other CA may have restarted the clock on the SOL. From what I've read in these forums, LVNV can be rather difficult to deal with.