The SBA recently informed me of a negative report on my credit file by a company called LVNV Funding in excess of $ 5,000.00. I honestly thought it was some nursing program that had obviously made a mistake. I disputed the report with the 3 major reporting agencies.
I was told by all three agencies that the report was "verified" and would not be removed. So, I called the number for LVNV Funding that was listed on the report.
LVNV Funding told me they bought this debt from another company. When I asked them who they bought the debt from, they said they could not reveal their customers, but they would give me a list of companies and I could determine if I had ever had an account with any of these companies. And then I was told that it was up to me to proof that I did not have an account with them.
After more disputes through the credit reporting agencies, I was told again that the account had been "verified". And, finally after several months, Experian told me the company bought the debt from Compucredit.
When I called Compucredit by the numbers listed on their web site they wanted an account number or social security number. I had no account number, and they claimed they had no record of my social security number. So, I called the credit reporting services back. They told me I needed to get a letter from Compucredit stating this fact. When I called Compucredit again, I was transferred to someone named "Jay" in customer service. Jay asked me for my social security number, my current address, telephone number and my mother's maiden name. When he asked for my mother's maiden name, I asked him why he needed this information. He said he was "verifying" it with information in their files. I asked him how he could have information on me when I did not have an account with them, and when they previously told me they had no record with my social security number. Jay then told me they did have an account with my number and it was opened in 1999.
I have never opened an account with this company or with any of the credit card companies listed on their web site. (In fact, I have never had a credit card with a 4 or 6 thousand dollar limit, which is what they say I owed them. On 5/4/06 I (by certified mail) asked Compucredit to provide me with copies of this application, copies of any signed charges and a detailed list of any charges on this account.
I am 55 years old, and I cannot afford to hire an attorney, but this has been infuriating. I cannot understand how something like this can happen, and why the burden of proof is on me. How can something like this happen?
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