Okay here's my story about DV letters to LVNV and Jefferson Capital

[sjcraw]

I sent LVNV and jefferson Cap. a DV letter on April 6th and I disputed these items with the CRA. Today I got my results back from CRA and Jefferson added another TL 1 is showing paid in full but the other TL is still showing 401.00 past due. They have change the account # but all the other info is the same.

LVNV Funding has also added another TL and the account # has been change and all the other info is the same. These are so low down dirty dogs, this is also hurting my score because its looks as if its a new account.

I called the CRA-EQ today and explain this to her, she was very nice also I let her no that I am aware of my rights and I told her that the account wasn't mine and I asked her why after I disputed this account it came back verified with a extra account. I told her that I had received a CR last week and it only contain 1 TL from each company. She really couldn't anwser my question but she did open up another investigation.So after talking with her I filed a complaint with the BBB and AG for each company and I made copies and mailed them to LVNV and Jefferson with a ITS letter, now I got to wait on my results. When I did this to Palisades it worked.

I have a question I wonder why after I sent Jefferson Cap. a DV they updated the account as paid in full, they know that i haven't paid them 1 red dime? I figued that they couldn't validate so that's why they change the account to a paid charge off. I'm not settling for that.

Please reply if you have any suggestion or comment. And do yall think that i did the right thing about filing the complaints? I will keep you all updated on the results.

Sjcraw

[SecretAgentWoman]

I filed a dispute against Asset Accpt, and suddenly I had two accounts on my Equifax, too. Hmmm....

[sjcraw]

I filed a dispute against Asset Accpt, and suddenly I had two accounts on my Equifax, too. Hmmm....

What are you planning on doing about it? What is the best way for us to handle this? I will sue if I have to. Do you think this is coming from the CAs or the CRAs? Thanks in advance for your reply.

Sjcraw

[SecretAgentWoman]

Well, I entered my dispute on the duplicate account, and I have to give them a chance to correct before my next step.

[sjcraw]

Well, I entered my dispute on the duplicate account, and I have to give them a chance to correct before my next step.

Well I guess you can say that I didn't waste no time filing complaints against these companies. Today I filed a complaint with the FTC and I'm hoping that this will get me deletes for sure. These companies are not going to play around with state and goverment agencies. I just needed to have someone else in my corner. I also open up another dispute about these TLs. And I'm hoping once the CAs receive my copies of the complaints that they went verify with the CRAs. Well Good luck to both of us.

Sjcraw

[bigjohnstud4200]

Well I guess you can say that I didn't waste no time filing complaints against these companies. Today I filed a complaint with the FTC and I'm hoping that this will get me deletes for sure. These companies are not going to play around with state and goverment agencies. I just needed to have someone else in my corner. I also open up another dispute about these TLs. And I'm hoping once the CAs receive my copies of the complaints that they went verify with the CRAs. Well Good luck to both of us.

Sjcraw

Hey, I just sent copies of two complaints against LVNV Funding myself (they just got them today). Everyone with LVNV Funding accounts should get together and bombard them with complaints and DV. I reported them to the FTC and BBB of SC with a letter basically saying that after failure to validate and continued reporting they have 10 days from receipt to delete or I will send another complaint to the AG followed up with a lawsuit. They think that just b/c it will fall from my CR in July of this year they can hold out. Not so, I will put their butts in court and collect far beyond the reporting period. Even the OC couldn't validate the debt and they fell off last month.

[Lyubashka]

I am also having an issue with LVNV Funding, a former Sears credit card. I sent a DV letter w/ RRR to LVNV, after which I requested a re-investigation with all 3 bureaus.

THe reason I did that was LVNV was reporting two different amts with the 3 CRA's. Experian was listing $2003 while the two others were reporting $2107. Then, of course Exerian sends me an updated report stating that LVNV updated and the amount is now matching to the two other CRA's.

Is that something I can act upon?

Would it be looking for more violations on their end (as they did not validate this after getting the DV) or can I already send a complaint or ITS letter?

Please let me know!

Thank you.

[Lyubashka]

Oh, they also changed the status of the TL to "late 120 days" which is worse than an ancient account. (LVNV)

[Lyubashka]

I just pulled my binder out where I keep my credit reports sent to me by the CRA's, and I was wrong: LVNV has changed the amount from $0 (a couple of months ago) to the $2000-something number, and then changed from one sum to another within a period of two months.

True Credit, however, when I pulled my report yesterday, shows that all 3 CRA's are reporting the same exact amount for LVNV.

My most recent hard copy of the credit report is 4-25-07; so maybe TC is wrong or it could be that LVNV has since updated the amount they're reporting me.

This TL will fall off my reports in August of 2008.

[kemiren]

I am down for whatever when it comes to LVNV Funding.........they actually removed an account that will fall off June this year and put it right back on in May along with all the trimmings as if to make the TL look like it just happened. I have disputed the information with EQ but haven't heard anything back as of yet.

Just wanted to let you guys know that lvnv funding is no longer on my report.

[sjcraw]

I sent LVNV and jefferson Cap. a DV letter on April 6th and I disputed these items with the CRA. Today I got my results back from CRA and Jefferson added another TL 1 is showing paid in full but the other TL is still showing 401.00 past due. They have change the account # but all the other info is the same.

LVNV Funding has also added another TL and the account # has been change and all the other info is the same. These are so low down dirty dogs, this is also hurting my score because its looks as if its a new account.

I called the CRA-EQ today and explain this to her, she was very nice also I let her no that I am aware of my rights and I told her that the account wasn't mine and I asked her why after I disputed this account it came back verified with a extra account. I told her that I had received a CR last week and it only contain 1 TL from each company. She really couldn't anwser my question but she did open up another investigation.So after talking with her I filed a complaint with the BBB and AG for each company and I made copies and mailed them to LVNV and Jefferson with a ITS letter, now I got to wait on my results. When I did this to Palisades it worked.

I have a question I wonder why after I sent Jefferson Cap. a DV they updated the account as paid in full, they know that i haven't paid them 1 red dime? I figued that they couldn't validate so that's why they change the account to a paid charge off. I'm not settling for that.

Please reply if you have any suggestion or comment. And do yall think that i did the right thing about filing the complaints? I will keep you all updated on the results.

Sjcraw

Whoooohooo, I got a delete with Jefferson Cap. on my EX, and I have disputed it again with EQ. This info that you all have gave really does work. what I did was filed complaints to AG, BBB and to the FTC and printed out copies and mail them to the CA with a ITS letter, beleive me this **** really does work. It has worked for me twice so far. Thanks to everyone that helps on this site. May God Bless

Sjcraw

[bigjohnstud4200]

Whoooohooo, I got a delete with Jefferson Cap. on my EX, and I have disputed it again with EQ. This info that you all have gave really does work. what I did was filed complaints to AG, BBB and to the FTC and printed out copies and mail them to the CA with a ITS letter, beleive me this **** really does work. It has worked for me twice so far. Thanks to everyone that helps on this site. May God Bless

Sjcraw

Sweet! I hope my copied complaints and ITS to LVNV works. They have till Friday.

[GonnaChangeMyEvilWays]

BigJohn,

I can't wait to hear what happens with your LVNV situation. Please update when you know more.

I'm dealing with the @!#$ right now. I have a feeling that they're going to be my biggest challenge.

[bigjohnstud4200]

BigJohn,

I can't wait to hear what happens with your LVNV situation. Please update when you know more.

I'm dealing with the @!#$ right now. I have a feeling that they're going to be my biggest challenge.

Yeah, i think they are going to be my biggest ones also. In my situation, they are only able to report another 2 months, but they can't validate so I'm hoping the pressure of the complaints does the job. Otherwise, I already have my claim against them ready to send off to court. Of course I'll send them the first two pages so they know I'm serious.

[Desert Bloom]

LVNV is one of the Sherman Companies -- major JDB -- really bad guys!!!!

Other companies that are part of Sherman are anything with Sherman in the name and Resurgent Capital, Vital Recovery Serevices, FNBM, Ascent Card Services, and others..........Often rather than respond to DV they just move it to another one of their companies.

[angelwithan-a]

Hi sjcraw,

I am so happy about your results that I am fired up about fighting LVNV also. I just sent them a DV on two seperate accounts that are appering on my credit report. I have spoken with Ex about how LVNV are reporting accounts on my report and their answer to me was that LVNV is not JUST a collection agency. I believe that they are helping LVNV do some of the shady reporting.

My question to you is, would it be possible for you to share exactly what you wrote and to whom? A general overview is good enough.

What were the timeframes or deadlines that you gave to LVNV? I am pretty sure that Ex will come back with verification.

Did you send Ex a MOV letter or did you just go straight to sending complaints to the Ag, BBB and FTC when they came back as a verified debt?

I am new and just getting my feet wet with this stuff and trying to make the best moves at the right time.

Also are these debts actually yours or are you so upset because they didn't validate and had the nerve to add new TL?

I hope you can get to this today because I really would like to get the same results you did.

Please advise.

Thank you so much,

angelwithan-a

[angelwithan-a]

Hi again,

I also wanted to know if you filed complaints with your states AG and BBB or the ca state Ag and BBB?

Thanks again,

angelwithan-a

[bigjohnstud4200]

Hi sjcraw,

I am so happy about your results that I am fired up about fighting LVNV also. I just sent them a DV on two seperate accounts that are appering on my credit report. I have spoken with Ex about how LVNV are reporting accounts on my report and their answer to me was that LVNV is not JUST a collection agency. I believe that they are helping LVNV do some of the shady reporting.

My question to you is, would it be possible for you to share exactly what you wrote and to whom? A general overview is good enough.

What were the timeframes or deadlines that you gave to LVNV? I am pretty sure that Ex will come back with verification.

Did you send Ex a MOV letter or did you just go straight to sending complaints to the Ag, BBB and FTC when they came back as a verified debt?

I am new and just getting my feet wet with this stuff and trying to make the best moves at the right time.

Also are these debts actually yours or are you so upset because they didn't validate and had the nerve to add new TL?

I hope you can get to this today because I really would like to get the same results you did.

Please advise.

Thank you so much,

angelwithan-a

For me, basically what I did was:

1) sent DV to LVNV, they replied saying that they would investigate within the 30 day FDCPA law and get back to me.

2) they never got back to me so I sent a follow up and disputed with the CRA's

3) they were deleted off one CRA but not the other two, which they verified.

4) I sent them a notice that I would file a complaint to the FTC if they didn't respond in 10 days.

5) I filed complaints on FTC, BBB of SC after 10 days and mailed them copies telling them I would follow up with complaints to the AG of SC and VA if they didn't delete in 10 days.

6) they have till tomorrow to delete or I will follow through with my complaints, then I will forward them a copy and send them and ITS if not removed in 10 days of receipt.

7) in 5 days I will send them the first 2 papers of my 7 page complaint to them to show them I am not joking.

8) in 5 days from then i will file my paperwork.

Well see.

[angelwithan-a]

For me, basically what I did was:

1) sent DV to LVNV, they replied saying that they would investigate within the 30 day FDCPA law and get back to me.

2) they never got back to me so I sent a follow up and disputed with the CRA's

3) they were deleted off one CRA but not the other two, which they verified.

4) I sent them a notice that I would file a complaint to the FTC if they didn't respond in 10 days.

5) I filed complaints on FTC, BBB of SC after 10 days and mailed them copies telling them I would follow up with complaints to the AG of SC and VA if they didn't delete in 10 days.

6) they have till tomorrow to delete or I will follow through with my complaints, then I will forward them a copy and send them and ITS if not removed in 10 days of receipt.

7) in 5 days I will send them the first 2 papers of my 7 page complaint to them to show them I am not joking.

8) in 5 days from then i will file my paperwork.

Well see.

Hi again and thanks for responding so quickly. I really appreciate it. I just got off the phone with TU. I disputed the LVNV account on 4/2/2007 and had not yet received my report back. So I called to find out why I had not received it and was told that it was sent on 5/15/2007 and should be here in a few days.

The rep then asked if I would like review the items that I had disputed to see if they had been deleted. Every item except for LVNV had been deleted. LVNV also changed the amount owed from $637 to $661 on the TU report.

I then called Ex to see if the amount had changed with them and it is still being reported as $637.

Are they able to change the amount owed to anything they want?

This has to be a violation or are they able to continue to add interest.

I am not sure if I should wait for the results of the DV I just sent to LVNV yesterday or if I should directly start writing to the Ag, BBB and FTC since they changed the amount owed on the TU report.

I feel like I need to be doing something now but I do not know what my next step should be.

What would you do?

Thanks in advance

angelwithan-a

[angelwithan-a]

Please keep us updated on your progress with LVNV.

[bigjohnstud4200]

BigJohn,

I can't wait to hear what happens with your LVNV situation. Please update when you know more.

I'm dealing with the @!#$ right now. I have a feeling that they're going to be my biggest challenge.

Today was the the deadline for LVNV Funding to respond. I pulled my credit today and it's been deleted from Experian but not from Equifax. I also disputed the account with Experian so I'm not sure if LVNV Funding just didn't validate (they still have till the 6th of June till the results are due but it has been deleted today) I disputed it with Equifax last month and they VERIFIED it! Hmmm. So I decided to call them (recorded of course, both states are one party). The woman seems very swamped in paperwork that I've sent . Telling me that I sent a C&D letter to them so they are NOT allowed to validate the debt to me. HUH I never did send a C&D since they never had any phone contact info for me anyway. So then I tell her, "If you received a C&D why is it that you responded to me two times after my dispute with information saying that you were investigating, yada yada yada?" I told her that today is the deadline and after today I will be filing a suit against them. She told me to simple send them a notarized affidavit of id theft and they would delete it (she linked me to the FTC site http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf). I told them, simply verify the debt you say I owe you or delete it per the FDCPA. Told her I would review the information at the URL she provided me and make my decision. I am going to send them an ITS letter saying they have 5 more days with a copy of the first two pages of the complaint. I know I have them in a corner and while it would be just as easy to send some affidavit or even wait the 3 months before it drops, they are breaking the law and I will collect from them.

EDIT: I also got her on recording committing violations, one of which was a ultimatum to send the affidavit or she would continue to report to the CRA's without proper validation of the debt.

[sjcraw]

Today was the the deadline for LVNV Funding to respond. I pulled my credit today and it's been deleted from Experian but not from Equifax. I also disputed the account with Experian so I'm not sure if LVNV Funding just didn't validate (they still have till the 6th of June till the results are due but it has been deleted today) I disputed it with Equifax last month and they VERIFIED it! Hmmm. So I decided to call them (recorded of course, both states are one party). The woman seems very swamped in paperwork that I've sent . Telling me that I sent a C&D letter to them so they are NOT allowed to validate the debt to me. HUH I never did send a C&D since they never had any phone contact info for me anyway. So then I tell her, "If you received a C&D why is it that you responded to me two times after my dispute with information saying that you were investigating, yada yada yada?" I told her that today is the deadline and after today I will be filing a suit against them. She told me to simple send them a notarized affidavit of id theft and they would delete it (she linked me to the FTC site http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf). I told them, simply verify the debt you say I owe you or delete it per the FDCPA. Told her I would review the information at the URL she provided me and make my decision. I am going to send them an ITS letter saying they have 5 more days with a copy of the first two pages of the complaint. I know I have them in a corner and while it would be just as easy to send some affidavit or even wait the 3 months before it drops, they are breaking the law and I will collect from them.

EDIT: I also got her on recording committing violations, one of which was a ultimatum to send the affidavit or she would continue to report to the CRA's without proper validation of the debt.

Congrats on that delete. I'm waiting to hear from them now since I have filed that complaint. i hope that i get good results also. What did you do to get them to remove it from your EX report? Thanks in advance for your reply.

sjcraw

[bigjohnstud4200]

Congrats on that delete. I'm waiting to hear from them now since I have filed that complaint. i hope that i get good results also. What did you do to get them to remove it from your EX report? Thanks in advance for your reply.

sjcraw

I don't think they have a clue what they are doing over there at LVNV. The woman I spoke with seemed to not know the case and contradicted herself. I have a feeling that when they received my last letter they made a note not to revalidate the debt and that's why it was deleted with my dispute. It's off two reports and one to go. I think my final letter that I am going to fax on Monday will take care of the last one. If you want details on that, PM me.

[GonnaChangeMyEvilWays]

Big John's playing hardball. I love it!

I got the green card (my 1st DV request) back from LVNV, but haven't heard from them yet. They still have a little time before I start playing hardball, too.

Thanks for the update.

[kemiren]

I haven't received anything in the mail from LVNV but they've posted this to my credit report (eq) and my fico dropped another 5 points. Here's what my fico says

Previously reported Newly reported

Balance: $10,453 $11,276

Past due: $10,453 $11,276

Status: At least 120 days or more than four payments past due At least 120 days or more than four payments past due

Last activity: 7/1/2000 7/1/2000

Opened: Not on Record 10/2002

Description: Consumer disputes - reinvestigation in process

Collection account

Consumer disputes this account information

Collection account

Account transferred or sold

Account acquired from another lender

True credit is showing this as of May 2007:

LVNVFUNDG

Account No.: XXXXXXXXXXXXX

Condition: Derogatory

Balance: $0

Type: Collection

Pay Status: Late 120 Days

I think this is supposed to be coming off June/July 2007 should I be worried about this? Don't know what to do now, because they haven't contacted me in like forever and I don't want to stir up something when It could possibly be going away.