CHANGING COLLECTION DATES

[Anonymous]

Can I send a violation letter as you mentioned if its an unpaid collection? This is how Lvnv is reporting on my EX and TU reports (they are collecting for a charged off Sears card)

Credit Account Lvnv Funding Llc

Status as of [?] Jan, 2009

 Date opened [?] Apr, 2006

Date of last activity [?] Jun, 2006

Date of last payment [?] Not Reported

Date closed [?] Not Reported

Account number [?] XXXXXXXXXXXX0106

Loan type [?] Unknown - Credit Extension, Review, Or Collection

 Credit limit [?] Not Reported

 Largest past balance [?] Not Reported

Terms [?] 1 Month

Account Type [?] Installment

 Account holder [?] Individual

Scheduled payment amount [?] Not Reported

Descriptions [?]None on Record

No contact information provided by Experian

Balance [?]

 Current Status [?]

Past Due Amount [?] $1,494

Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department $1,494

Seven year payment history [?] 30 days late 0 times

 60 days late 0 times

 90+ days late 26 times (Jan 2009, Dec 2008, Nov 2008, Nov 2008, Sep 2008, Aug 2008, Jul 2008, Jun 2008, May 2008, Apr 2008, Mar 2008, Feb 2008, Jan 2008, Dec 2007, Nov 2007, Nov 2007, Sep 2007, Aug 2007, Jul 2007, Jun 2007, May 2007, Apr 2007, Mar 2007, Feb 2007, Jan 2007, Dec 2006

I see what you are saying CBlair.  The CA got your account in April 2006 & not long after have reported 90 + days late every month.  Its a lot like Im getting. They say the CA arent allowed to report lates but the keep doing so. Paid or not I would guess whatever solution works for me should work for you also. Just do'nt know what that is! lol

[Anonymous]

tryingtoreach,

thanks for clarifying. this is clearly a misreporting case where the CA is doing more damage than necessary to your credit in violation of reporting laws and industry guidelines.

 my prior advice still stands.

good luck!

 Thanks demed!  You didn't mention the CRA. Should I send something to them??

[Anonymous]

RobertEG,

The Sears account was opened in Sept 2002, DOLA Jan 2005, Charged Off in May 2005 but the CA is reporting lates until Jan 2009