I have been trying for months to correct my credit report only to be told that everything has been validated and will remain on my credit. I was just trying to refinance my home and told that my credit score was too low mainly due to LVNV FUNDING. They have reported the same debt on my report three times and also on my husbands report 3 times. The same amount is listed so it looks like we owe 3 times the balance they claim. They also list past due amounts which I was told is against federal law to list charge offs and past due amounts.
LVNV FUNDING have their address listed as P.O. Box 10584, Greenville SC 29603 on one of their accounts, P.O. Box 740281, Houston, TX 77274 for one and the same SC address with their name listed as LVNVFUNDG on the other. I am told that they will not validate nor remove this as it is accurate.
Is their anything that can be done about this - I know it is not right but don't know how to get it corrected with all the red tape.
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