[invza1]

I got a dunning letter from NAFS dated 4/6/09 saying that LVNV purchased my charged off HSBC account.

My DV letter was delivered 4/18/09 to the address on the letter. I haven't gotten any response from NAFS or LVNV (probably same company).

I pulled all three credit reports on 4/10/09. There was an inquiry on Experian from NAFS on 4/9/09 but no TL.

I pull Experian and TransUnion on 5/16/09 and there's a bad TL from LVNV. TU score dropped from 682 to 570! I know this was NOT added before my DV letter was delivered on 4/18 because I had credit score monitoring from FreeCreditReport.com until 4/20/09.

Here's the TL:
LVNV Funding LLC
Date Opened: 1/2009 (huh?)
Reported Since / Date of Status / Last Reported: 4/2009
Account History: Collection as of Apr 2009
Original Creditor: IDT-HSBCORCHARD STANDARD - MCS (WTF? "IDT" is the CA that had it before LVNV and luckily was never on my credit!)
The TL has a South Carolina address; the letter they sent only had a NY address (which is where I sent my DV letter)

So, how should I handle this? Any advice?