04-04-2013 03:17 PM
I'm jumping in on this thread. First post here. Hello, all! That being said, I would also like any info anyone else has on how to defeat LVNV funding. I went on a credit clearing spree, and paid everyone off that I could. However, LVNV funding was never able to give me info on the debt that I owed. They have the account listed as 'Opening' in August of '08, and the last reported activity as being in January '08. Filed the online dispute, and it states that it says it meets the FCRA. LVNV has never sent me the records I requested showing the original creditor, but it matched with Credit One Bank, which was actually opened in '01.
I know that a DV letter to them (which will be my 3rd, by the way) is probably the best step. What exactly do they have to provide to me that meets the requirements of debt validation? I want to be as specific as possible in this last letter.
Again, anyone with any hepful tips on how they managed to deal with these people would be more than helpful. I have absolutely NO problem paying down debts that I owe and paid down every thing on my report to $0, but these people... whew. Rude. The only thing I asked from them was the full account history. I had been paying on a Capital One debt when LVNV began contacting me, and honestly believed they were contacting me in error about a debt that I was already paying on.
04-04-2013 05:57 PM
04-04-2013 08:16 PM
I have filed a BBB on them. One account, they came back and actually provided statements. The other just a name and same info you can get from a credit report. On that one, they have reaged it (it appears) as it is showing to fall off 5 months later than the OC. I rebutted their answer and I am waiting to hear again.
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