David
Taylors,#2Consumer Suggestion
Tue, September 26, 2006
My apologies Debbie -- I'm sorry for being an idiot. Your name is Debbie, not Lola.
David
Taylors,#3Consumer Suggestion
Tue, September 26, 2006
Lola, Although I have never delt with LVNV,I have personally delt with many creditors trying to fix my own credit. I can tell you this. They do not care about you or the fact that the information that they reported is false or inaccurate. I have, and you can too, pull your credit reports from Equifax, Transunion and Experian.(E,T,E) And you can dispute these lies. -- But really in the end; it is futile. E,T,E will call LVNV to ask if this is correct and they will say it is. E,T,E will never ask for or demand documentation to back up what is in dispute. A simple "yes" is all that is needed for them to say that they have investigated the issue. I am not saying that E,T,E has never fixed things on my credit that were inaccuate. They have. But when it comes down to a creditor that you have called and repeatedly asked to fix bad info. and you get nowhere --- Do you think that they will change their tune when E,T,E calls them? No Way! Lola, What you need to do is get an attorney. That really is the ONLY way that LVNV will back off and fix it.
Steve
Bradenton,#4Consumer Suggestion
Tue, September 26, 2006
Debbie, This is easy to fix, and you are entitled to damages under both state and federal laws. First, Stay off the phone altogether. Any correspondence to ANYONE needs to be by certified mail, return reciept requested. Put the certified# on the letter itself, and keep a copy for your records. Immediately send disputes to all credit bureaus involved. Specify that you want to excercise your rights under the FCRA and recieve copies of all communications used in this alleged "validation". They must provide full names, addresses, and phone#'s of all parties contacted, and copies of any written communications sent and/or recieved. DEMAND this. It is your legal right. File FTC complaints at FTC.gov against the collection agencies involved as well as the credit bureaus. Do this online. And do an individual complaint on each violation. This is very important, as enforcement is not done on an individual basis. it is done after a certain # of complaints have been filed. Send your notice of each violation to all collection agencies involved, and demand it be corrected. Reference your FTC.complaints. Unfortunately, you must sue to recover damages from a collection agency, and they know most consumers won't. That is why they keep violating. Read and print out both the FCRA and the FDCPA. get very familiar with your rights. Info on LVNV funding: Agency Details: LVNV Funding, LLC, DBA/ Resurgent Capital Services, LP Dba/ Alegis Group, LLC Aka/ Sherman Financial Group, LLC Fka/ Sherman Acquisitions Aka/Ventus Capital Services Aka/Performance Recovery Group Addresses: Bank of America Building 200 Meeting St., Suite #206 Charleston, SC 29401-3187 15 South Main Street, #600 Greenville, SC 29601 Phone: 888-665-0374 864-678-8421 877-264-5884 Fax: 888-546-7697- 864-370-4998 (Phones ring at Resurgent Capital, Greenville, SC) Websites: http://www.lvnvfunding.com/ http://www.rcap.com/ http://www.resurgent.com/ >>>>>>>>>>> I hope this helps you better deal with these lowlife junk debt buyers.