Complaint Review: Lvnv Funding

Lvnv Funding has been trying to collect off of a Providian card that was insurance covered and closed over 2 yrs ago. I disputed it with Providian and also Lvnv Funding. Now a new collection agency named Sherman has taked over the account according to Providian. I read on the rip-off that Lvnv Funding was the same company as Sherman. Providian has been bought by Washington Mutual Bank. They have been no help to me. They claim that legally it's already in the hands of a collector and I have to dispute everything with them. It's a vicious circle. I don't understand how one collection agency can use several different names legally. How is it legal that they can try and collect off the same account over and over again using different names. What can we do to stop this from happening to others?

Rikki
RIDGEFIELD, Washington
Angola