Complaint Review: BAY AREA CREDIT SERVICE LLC.; OSI/GULF STATE; LVNV Funding LLC

I recieved a bill with an unknown creditor name as it's 'origional creditor' of OSI/GULF STATE. I did a search and they came up on 1800 and RipOff Report.

I didn't search in too far--I already know this is a rip off. I ordered no services and recieved no bills indicating any of these names.

Natually I am hesitant to contact at the number, as this is the prime opening for them to ascertain my social security or other identifying information--that they would not otherwise legitimately have.


The form lists a present owner of LVNV Funding LLC. I did a search and they came up with a valid web address http://www.lvnvfunding.com/ indicating people should discuss with the origional creditor. (above) As well I found the rest of the search page in complaints against this company poisioning people's credit. LVNV's webpage indicates they buy contracts and outsource to a management agency by the name of RESURGENT. 'Resurgent' shows up nowhere on my bill. Bay Area Credit Services, does.

The Header Company who sent the bill is known by a Third name: BAY AREA CREDIT SERVICE, LLC. They give 2 addresses. A PO Box 468089, ATLANTA GA 31146 and 1901 W 10th STREET ANTIOCH, CA 94509. And a tele of 1-877-337-2747.

My *supposed* account number is 197139014, by the way, for 54.74.

So here is what I think happened. I think there is some fraud group out there who got the idea that they could sell a list of fabricated accounts through the middle man company LVNV, who further buries the fraud by subletting it's collection through BAY AREA CREDIT SERVICE LLC.

If people pay-they have money in their pocket.
If they don't there is no loss.
If they are called on it too much, investigators are sifting through separate companies each which can say "I didn't know"-I bought these contracts-they looked legitimate; thus avoiding prosecution, all around really.

Desertdreamer
University Place, Washington
U.S.A.