My spouse sent LVNV a DV and they received on Feb 22. They hadn't ever answered and because we were busy with my reports, hadn't sent nothing in to the CRAs that it was being reported to. Over the weekend, we sent out the disputes for failure to validate and copies of everything as you are supposed to do. It was reporting with a balance of $329.00
I disputed the LVNV on my report because I did the big bad no no and called them and they told me they didn't own the account any longer, they sold it to Midland. So, I just disputed it and didn't send a DV. It was removed from EQ(CSC), the only one it was reported to as a result of the dispute. The debt showing on my CR was $216.00
Today, in the mail, received "validation" addressed to myself and an envelope addressed to my spouse.
Both letters identical format, but different names, account numbers, amounts, etc. These are 2 seperate debts on our credit reports. Mine was an invalid account that did NOT belong to me or my spouse. My spouse's could have been legit.
Anyhow, here is the weird thing.......the amount in the debt validation letter to me is only $88.97....but they were reporting $216.00 and the account number on the letter and what was being reported is two different account numbers. The best I can figure is they are sending me validation(that I didn't request) on an account that hasn't been reported on my CR and I know nothing about. Notice how on the cover letter it says "Thank you for your recent inquiry regarding this account".......I never contacted them about this account. LOL....
And the funny thing is...........well you'll see the funny part when you read the "validation" - it hardly qualifies as validation, IMO.
My son got something sticky on my scanner glass and I didn't realize it when I scanned the document, ignore that. 3 yr olds LOL.
I will just post my letter and "validation" as they are the same as my spouse's, cept a different account number and amount.
Schoolbuskid wrote:WOW, such idiots! Thats basically telling you who owns it and what the amount is for! Now i know your DV letter asked for more! WOW!
Schoolbuskid wrote:So what is actually on your report now, regarding this company?