Steve
Bradenton,#2Consumer Suggestion
Fri, May 05, 2006
Linda, LVNV is not only a debt collector, but are also junk debt buyers. They often buy files with no DOB or SS# and just target anyone with the same or similar name. However, since it is on your credit report, they obviously had your SS#. Anyway.. NEVER do anything on the phone. ALL correspondence MUST be by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. Send LVNV a REQUEST FOR DEBT VALIDATION by the means above. Specify that this debt is not yours and you need to see something you signed to create the alleged debt, as well as an account history. They have 30 days to prove it or remove it. Now, resend your dispute to all 3 credit bureaus by the means above and demand, as per your rights under the FCRA to see the source of said "verification". You are entitled to see whatever proof was offered in the verification process, as well as the name of the person who verified it. This is your right under federal law. Many items are never even verified as it costs a lot of money to do 100% verifications, and credit reporting is a high profit margin business. You are entitled to up to $1000 plus costs from each offender for violations of the FCRA and the FDCPA which you really need to read and print out for future reference. Now go to FTC.gov and file a complaint on LVNV and all 3 CB. Go to BudHibbs.com and read all about LVNV and affiliates. These are major offenders. Do a search here on Rip off Report to see how many complaints there are.
Steve
Bradenton,#3Consumer Suggestion
Fri, May 05, 2006
Linda, LVNV is not only a debt collector, but are also junk debt buyers. They often buy files with no DOB or SS# and just target anyone with the same or similar name. However, since it is on your credit report, they obviously had your SS#. Anyway.. NEVER do anything on the phone. ALL correspondence MUST be by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. Send LVNV a REQUEST FOR DEBT VALIDATION by the means above. Specify that this debt is not yours and you need to see something you signed to create the alleged debt, as well as an account history. They have 30 days to prove it or remove it. Now, resend your dispute to all 3 credit bureaus by the means above and demand, as per your rights under the FCRA to see the source of said "verification". You are entitled to see whatever proof was offered in the verification process, as well as the name of the person who verified it. This is your right under federal law. Many items are never even verified as it costs a lot of money to do 100% verifications, and credit reporting is a high profit margin business. You are entitled to up to $1000 plus costs from each offender for violations of the FCRA and the FDCPA which you really need to read and print out for future reference. Now go to FTC.gov and file a complaint on LVNV and all 3 CB. Go to BudHibbs.com and read all about LVNV and affiliates. These are major offenders. Do a search here on Rip off Report to see how many complaints there are.