Origiginal "debt" was Providian Credit Card-used once, $119 original debt paid off in full and I requested it closed. Then came the illegal charges for $365 "insurance charges". Providian had a class action law suit filed-this all occured in 2000.
Then Sherman picked up this debt and hounded me-I disputed it, told Sherman collections I want to go to court, then in 2003 and won, they dropped the action.
Now Lvnv Funding LLC has obviously purchased this junk debt and have damaged my credit, straight onto my credit, which I have disputed, they claim the account is not closed-the amount is for far more.
They have not made any contact with me in writing-but are trying to collect on a fully paid credit card that is supposed to be closed account-I disputed this with one agency and received a report that it is NOT closed and I must contact Lvnv Funding LLC-... I DONT THINK SO...
The credit reporting agencies say this has been verified as correct-SURE...
I am totally sick of these Collection agencies. Countless hours of disputes, endless reporting and resorting to taking on attorneys to clear my name...
This is the third time that I am dealing with the same ILLEGAL debt over 6 years old.
Not only that-they -the collection agencies are jumping from one credit reporting agency to the next - so you do this dispute 3 times over...
My credit gets trashed monthly-I am totally sick of this activity-especially considering that this is all based on ILLEGAL CHARGES incurred in 1999 and previously disputed with the original debtor, then Sherman, now Lvnv Funding...
Advice Please
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