LVNV still updating after ignoring DV's

[Anonymous]

During the first 35 day DV LVNV updated with all bureaus across the board, upping the balance once.  I sent the 2nd DV demanding that they delete it and sent the dispute/delete requests to the CRAs.  All the CRAs and LVNV received and signed for their letters on 4/10, and on 4/11 LVNV hit me with another update across the board.  This time me a nice black CO mark on my EX TC report, and dropping the balance by about 30 bucks.

They've never responded to either DV.

Aren't they NOT supposed to update until they do?

[Anonymous]

LVNV Funding don't really budge unless you pay them...they ignore PFD...GW...they will agree to send a DV in the mail...maybe their sending that to you....

[Anonymous]

They signed for the first DV March 3rd, and the second April 10th so I don't really think they're sending me anything lol

[Anonymous]

I feel your pain, the $ 1200. simpack we were going to get, goes to them.They can and will keep it until all debt is paid + all refunds. The problem is all money they collect doesnt seem to make much of a mark on the debt itself. I guess it is all the pen. and interest they collect for also

[Anonymous]

How many days did the 2nd  DV give them?    IF the time is up.....send a dispute to all CRAs reporting.....along with copies of both DV letters and copies of all  GG,  cert.papers  and this letter:

 

Your Name
Address
City, State Zip
 

TU/EX/EQ
Address
City, State Zip

DATE

RE: Account #_________/Original Creditor’s Name

Dear CRA:

This is a request for deletion of a disputed item. I have attempted to have this allleged debt

verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that

"Collection Agency" do what is legally mandated by the FCRA and FDCPA, and delete the account listing.

Name of Creditor/Agency, Account #_________

On XX XX 08, "Collection Agency" received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request.

As of today, XX XX 2008, they have failed to provide any proof or respond in any way.

On XX XX 08, I sent a second letter. Again, I have received no response. Attached is a copy of the

letter and the U.S. Post Office showing they did receive that letter.

The FDCPA states they must cease collection activity until they have produced verification of the

alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which

they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists

or they would have provided it in the previous X months since it was requested.

Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the

item as in dispute. Again, this was not done. Another violation of the FDCPA. (DELETE THIS PARAGRAPH IF IT DOES NOT APPLY!!)

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus.

The FCRA also states that the credit reporting agencies must accept written proof from the debtor.

Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted

in its entirety as there is no proof of its existence as evidenced by my attached documented proof.

Sincerely,

Your Name

[Anonymous]

I sent that at the same time as the second DV time will be up on the 24th, I thought if they didn't validate they couldn't update though

[Anonymous]

If they are already reporting when you send the first DV...yes they can continue to update for 30 days!! Then they must stop reporting untill they do validate!

They are in violation every time that they update without validating.