LVNV Funding, LLC poisons credit reports

LVNV Funding, Llc uses Credit Report poisoning as one of their tools to collect debt that is outside of statute of limitations. I was recently contacted by a collection agency that they farm things out to before trying to work an account in house with their internal collection agency Resurgent Capital. In doing a little more research I discovered that they have poisoned my Credit Report.

This is a common tactic of Junk Debt Buyers. Here you can see where they have poisoned my Credit Report.

The way they poison Credit Reports is by changing the date of first major delinquency. Not only is this a violation of the Fair Debt Collection Practices Act it is also a violation of the Fair Credit Reporting Act. If you will look at their entry on my Credit Report you will see the date of last activity listed as 7/2005 with the date of first major delinquency as 8/2007. It is a physical impossibility for the date of first major delinquency to be over two years after the date of last activity, unless we are traveling in a space time continuum. The reason they manipulate the date of first major delinquency is because it resets the seven year reporting period. Meaning that negative credit stays on your Credit Report seven years from the first major delinquency and if they keep resetting this date from the actual date then they keep extending the seven year reporting period.

On the face it is not a Fair Credit Reporting Act claim unless they verify the information as accurate, but it is prima facie evidence of a Fair Debt Collection Practices Act Violation.  Using a false or deceptive mean to attempt to collect a debt.  It may also be construed as libel per se if your Credit Report is accessed by anyone with this denigrating information displayed to them.  Especially if you were unable to receive credit or employment due to negative credit.
If you are being sued or harassed by LVNV Funding, Llc you need to order a copy of your credit report. You can then use this as a tool against them if you fight back.

This is not the only way to fight back against LVNV Funding but this should be your first step. Since Equifax is the major Credit Reporting agency in their location you can get a copy of it by visiting the Equifax website. Just click anywhere you Equifax.

Do not go into court with LVNV Funding without it. You can then raise this as a counter claim against them or use it as a negotiating tool.

Make sure you book mark this site so you can follow my progress with them. I will also show you some other things that you can raise against them if they are trying to collect from you in court. I am not an attorney so if you have a serious legal matter with them I do encourage you to seek legal advice. Just remember it is not the end of the world if a Junk Debt Buyer such as LVNV Funding is coming after you. Companies like this use so many illegal collection tactics that it is almost comical.