LVNV Question

[Anonymous]

LVNV is showing up on my report like this:

Condition: Closed (Paid) Closed (Paid) Derogatory

       Balance: $0   $0

        Type: Factoring company account Unknown - credit extension, review, or collection  

       Pay Status: Collection/Chargeoff Collection/Chargeoff Late 120 Days

  I don't know what account this is for and I am not really sure how to approach this. I don't remember paying this company anything.  Should I call them, DV or PFD or dispute?

[llecs]

I'd first pull the CR directly from the CRA. EX and TU have drop off dates and should list the OC. If you still don't recognize it, I'd start with a DV. You cannot PFD as it is paid.

[Anonymous]

If you have no knowledge of the account and never paid them, I would DV them.

Is there a previous balance listed? Anything reported that you can use to link this up to an OC?

Have you pulled reports directly from the CRA to see what they show?

[Anonymous]

Once you have exhausted the DV process, I would send an ITS letter for incorrect reporting in violation of FCRA and threaten to sue for $1,000 for each CRA that this TL is reported to.

If they don't remove or rectify to exactly match what it should be, I would bring them to court in Small Claims at least for the Type of Account and for pay status.