This whole thing is confusing :confused:
So NAFS is collecting on behalf of LVNV? I looked them up. They don't appear to be the same company but I'm thinking maybe they are collecting for LVNV because LVNV may not be licensed or bonded to collect in your state? Not sure.
LVNV is not in violation (from what I can tell). A CA does not have to send you a collection notice before putting the TL on your CR.
Now NAFS cannot put a TL on there until they validate the debt with you but from the sounds of it........they don't plan on it. Sounds like they are being sneaky by "sharing" the debt and going around laws so they can collect on you. I really don't see how they can do this. Only one should have rights to the debt.
I know you said it was still in SOL......how much is the debt?
One thing I would go ahead and do is send LVNV a DV as well.
Both of these CAs are notorious for their illegal tactics.......so whatever you do, keep good records.
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