**UPDATE**
I called Experian and they told me the TL was added on 4-15. My DV was delivered to NAFS 4-18.
Experian told me that LVNV is the furnisher of that TL, not NAFS.
So I'm thinking this:
(1) LVNV is in violation because they never sent a dunning letter. If the dunning letter came from NAFS on behalf of LVNV then only NAFS can add a TL so LVNV should be removed.
(2) NAFS would have to respond to my DV before they can add/re-add the TL.
Maybe I could get the TL deleted for the above reason then PIF/PFD before the TL is re-added?
BTW, this is still within SOL. What do you think?
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