My Problem started in January when my mortgage company pulled a copy of my credit report which showed a new and negative entry by LVNV Funding. The entry was just placed on my report in December and showed a balance of $13,335. This entry was erroneous and it caused my credit score to drop quite a bit which caused me to get a higher rate unless I prove it was not my debt.
I immediatly contacted LVNV Funding and I spoke to several people before actually speaking to someone who could actually help me. No one there was able to pull up my information with my name or social they would only say that they had a different social and similar name, and then I found out it was my father they had when they said the name because I dont have a middle initial.
I told the collector that I would be happy to fax them and overnight my personal information to them to show that I was not the debtor they were looking for and the collector told me that he cannot do anything and that my file had been turned over to an attorney at Weltman, Wineberg and Reis located in Brooklyn Heights Illinois.
I contacted the law office and I was transferred to a Mr. Magnason who in the beginning was extremely rude until I told he that I would like to record the conversation for my record and then he changed his tone he then transferred me to and Andrea at the same office.
Andrea also was very unhelpful as I tried to send her my information so that they could verify it and she would not take it, she said the file has been referred to another attorney in Florida since they are not licensed in Florida and that this attorney would have to verify the information, I told her I have to get this done as quickly as possible because I have a real estate closng and this is extremely important and she said there is still nothing she could do.
I then contacted the 3rd firm handling this file and I spoke with a Janice at the Law Offices of Marcadis and Associates located in Tampa, FL. Jancie from the start was extremely helpful and was willing to put in some time to help me with this situation, she confirmed that the names where different but she could not verify the social or date of birth because she had not received that information from Weltman, Wineberg and Reis.
Janice explained to me that LVNV Funding was in the process of taking me to court and place a lien on my house (Can you believe this) I told her that they had the wrong debtor and she asked me to send my information to her so that she could forward to the attorneys office in Illinois and they can forward it to their client LVNV Funding (What an unbelievable process) I dont understand why I just couldnt send my information over to LVNV Funding in the first place.
I sent my information to Janice and she forwarded it to the law offices in Illinois, I finally get a response back 3 weeks later after I called to follow up and Janice tells me that the Law offices in Illinois needs a better faxed copy (Unbelievable!) I asked Janice if I could fed-Ex it to them in illinois and she said they would not accept it like that and that it has to go through them in Tampa first and then they will send it to Illinois. (At this point I have become so frustrated with this entire mess and the time it is taking to get it resolved).
I once again submitted my information to Janice and tried to make it more readable, then a week later I get a call from Janice telling me that they need a more clear copy (UHGGGGGG).
I finally took a picure of the items they were requesting and I sent it to them through email, now the feedback I got was that the picture was not too clear but it was readable except for one of the numbers, now keep in mind that my fathers social is completely different than mine and she was only able to read the entire numbers except for one. Now I have to wait again to see if they will accept this information.
The process to remove this has taken over a month and to this day it is still not removed from my credit bureau nor have I even received a letter stating they would remove it all I keep getting is that they are reviewing it.
This lack of help and honest effort has really become a burden for my wife and I and I just dont understand why collectors are so cold and unhelpful but I guarantee you if they needed something resolved that was an error they would certainly want it done quickly.
I would never let one of my customers go through something like this and I would make sure I would help them immediatly, that is something I wished these collectos were like.
Can anyone tell me if there is any way to stop or prevent this from happening again without going through this traumatic experience.
I dont understand how a company can do a skip trace and sue someone without even verifying the informaion, You would think this is more costly to the company when they have to go to court and have to pay for work that was erroneous and could have been taken care of long ago if the proper effort was placed to locate the right individual.
I just hope this process can be resolved soon!!
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