x-ray Posted January 27, 2008 Report Share Posted January 27, 2008 LVNV keeps adding bogus different accounts to my CR to knock my score lower. I dispute them with CRA, they are removed within 30 days but LVNV keeps adding another B.S. account 30 days later.4 x (B.S. account on my CR from LVNV => dispute with CRA => account deleted in 30 days => another B.S. account appears on my CR from LVNV => another dispute with CRA => account deleted in 30 days => yet another different B.S. account appears on my CR from LVNV => yet another dispute with CRA => ...)Sounds like an actionable malicious slander of credit to meDid anyone had similar documented problems with LVNV? A possible class action? Link to comment Share on other sites More sharing options...
Nascar3 Posted January 27, 2008 Report Share Posted January 27, 2008 A few months ago I had a similar situation with Portfolio Recovery. It took me months of letters to them, complaints to the BBB in both states, complaints to the AGs in both states and an attorney to finally get them off my back (and off my reports) and help from this board (THANK YOU GUYS!!!), but it CAN be done.Good luck! Link to comment Share on other sites More sharing options...
x-ray Posted January 27, 2008 Author Report Share Posted January 27, 2008 LVNV Funding LLC is incorporated in DELAWARE and registerd as a foreign LLC in SC.Office of the South Carolina Secretary of StateLVNV FUNDING LLC75 BEATTIE PLACEGREENVILLE SC 29601http://webprod.cio.sc.gov/SCSOSWeb/registeredAgentDetail.do?CORPID=451692Delaware Division of CorporationsLVNV FUNDING LLCFile Number: 3954605Incorporation Date / Formation Date: 04/13/2005LVNV FUNDING LLCCORPORATION TRUST CENTER 1209 ORANGE STREETWILMINGTON DE 19801Phone: (302)658-7581https://sos-res.state.de.us/tin/controller Link to comment Share on other sites More sharing options...
x-ray Posted January 27, 2008 Author Report Share Posted January 27, 2008 LVNV’s Secret: LVNV is trying to bypass the FDCPA by pretending to be a creditor, so you cannot sue them for their violations under FDCPA (They admitted it in Maloney vs. LVNV). They do not send any dunning letters directly (use their sister companies) and they ignore all DV requests. LVNV Funding pretends to be a creditor and maximizes the damage to your credit score by reporting it as "120 days late" and as "open account". LVNV is mainly used to damage your credit score and their other sister companies are used to do the collection activities.But you can fight them, read this posthttp://creditboards.com/forums/index.php?showtopic=288397 Link to comment Share on other sites More sharing options...
insomniac Posted January 27, 2008 Report Share Posted January 27, 2008 They do not send any dunning letters directly (use their sister companies) and they ignore all DV requests.Or they use third-party collection agencies that aren't affiliated with them at all, e.g. Brachfeld and Associates/Meridian Management Solutions. I made Brachfeld/Meridian go away with a DV letter, though they never actually responded to it. Link to comment Share on other sites More sharing options...
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