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stickyricky24

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LVNV FUNDING says i have a loan but i dont remember recieving a credit card

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LVNV is scumbag collector!!

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Go to annualcreditreport.com and get copies of all 3 credit reports.  Look them over very carefully and file disputes on all items that are errors (not your account, wrong address, etc) with the credit bureau reporting them.  They then have to investigate and either verify or delete the disputed items.  It's highly recommended you check your credit reports once a year to make sure all information is correct.  And it's free, so why not?

LVNV is what is known as a "junk debt buyer".  That is a collection agency that purchases bundles of often uncollectable debts (the statute of limitations for collection has expired) for pennies on the dollar and they try collecting the full value.  Try not having anything to do with them or, if you must communicate with them, do it in writing and demand all responses be in writing.  Keep copies of all communications (yours and theirs) until after this situation is fully resolved.

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