Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 985
Registered: ‎12-17-2012
0 Kudos

LVNV Reinserted collection after deleting 10 months ago

I had a collection account from LVNV that I believe was for an old charged off CC. The OC is no longer on my report.

Anyhow LVNV had all sorts of errors I their reporting. The DOFD was incorrect, wrong balance and it was reporting as a open account.

I filed a BBB complaint in December of 2012. They responded and agreed to delete the collection and it was deleted sometime in February of 2013. I pulled my reports from USAA today and I see the collection popped back up on EX only so far.

What is my best course of action here? I believe I printed out the BBB response but the file is at my office so I won't know for sure till Monfay.

I do have the original complaint number from the South Carolina Berea but the link that I had from them with the details is expired? not sure if it is retrievable on their website but I would imagine that they keep records of complaints.

They have also now reported the collection with a totally different balance and I can't see the DOFD on USAA.

Should I dispute this directly with LVNV and fax them a copy of their response where they say they have agreed to delete the collection or should I dispute with the CRA and send the a copy of the BBB complaint and LVNV response?

Should I file new complaint with BBB referencing previous complaint and resolution.

Maybe all of the above. It took a lot of hard work to get rid of LVNV, very frustrating when they just randomly reinsert.

Senior Contributor
Posts: 3,928
Registered: ‎10-26-2012
0 Kudos

Re: LVNV Reinserted collection after deleting 10 months ago

The CRA has 5 days to send you a letter of why they allowed the CA to relist a deleted account. I just won a lawuit against Midland for doing the same thing. The judge made Midland wipe the account from existences and they paid a total of $5800.00, $4800 goes to my attorney and by FDCPA law I was entitled to $1000.00

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: LVNV Reinserted collection after deleting 10 months ago

Having it removed with a BBB complaint and not a dispute with the CRAs are two different things.  Only a dispute and removal with the CRA allows that stipulation of reinsertion with a notice from the CRA within 5 days.



Community Leader
Epic Contributor
Posts: 29,712
Registered: ‎03-19-2007
0 Kudos

Re: LVNV Reinserted collection after deleting 10 months ago


Reinsertion of previously deleted information is only restricted if the furnisher failed to verify the accuracy in the course of a prior formal dispute under the FCRA.

They must first provide the lacking verification of accuracy before the CRA can reinsert.


The issues involved in the BBB complaint relate to the specific reporting of DOFD, balance, and collection status of open.

If those items had been or are now disputed, the resolution would be the correction or deletion of those items, not of the collection itself.

Deletion of the collection would only be based on a dispute of the debt itself or of their lack of authority to collect on the debt.

You can send them a direct dispute, to which they must either verify the accuracy as reported, or correct their reporting of those items.

I dont see deletion of the collection as a required outcome of any such dispute, as those are all required items that must be included under any reported collection.


You can always contact the BBB and register a new complaint.  The debt collector has no obligation to respond, and lack of response would be limited to the BBB posting that fact in their records.


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.