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I have lvnv funding on my report (experian) and they show payment history. Can they do that???
Its most likely taken from the OC account history.
If the debt collector does not own the debt, you have no account relationship with them, and no deliquencies.
It is permissible to continue to report an earlier status of delinquenct at a certain level. Did the level of delinquency change, or did the actual payment history profile include an actual, new delinquency?
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Payment history legend OK Current/Terms of agreement met 30 Account 30 days past due 60 Account 60 days past due 90 Account 90 days past due 120 Account 120 days past due 150 Account 150 days past due 180 Account 180 days past due CRD Creditor received deed FS Foreclosure proceedings started F Foreclosed VS Voluntarily surrendered R Repossession PBC Paid by creditor IC Insurance claim G Claim filed with government D Defaulted on contract C Collection CO Charge off CLS Closed ND No data for this time period | ||||||||||||||
Payment History: 2012 FEB C JAN C 2011 DEC C | ||||||||||||||
Account History: Collection as of Dec 2011 to Feb 2012 | ||||||||||||||
Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Jan 2012: $584 / no data / no data / no data Dec 2011: $581 / no data / no data / no data | ||||||||||||||
Limit High Balance History: The original amount of this account was $572 |
You should do a search on the forum for LVNV. Everything they do is pushing boundaries. Did you ever send a dunning notice from LVNV about this collection?
I'll send you a PM shortly, ok? I know I keep posting to any thread that has to do with LVNV but they are just scumbags (grrr)