Why would LVNV use another CA to collect for them? Maybe LVNV is not licensed in my locality to collect? Can anyone think of any other reasons?
1) an old, charged-off Household account was sold to IDT Carmel.
2) IDT Carmel sold the account to LVNV.
3) LVNV hires NAFS (National Action Financial Services) to collect on their behalf.
4) LVNV, not NAFS, adds a bad TL to all 3 credit bureaus. NAFS is not on my credit - yet.
5) NAFS never responded to DV.
Here is the dunning letter from NAFS:
http://img40.imageshack.us/img40/575/lvnvletter.jpg
Experian TL:
http://img33.imageshack.us/img33/729...tlexperian.jpg
Anyone see any violations based on the letter or the TL?
If I do a successful 1/2 punch with LVNV, shouldn't it also be a violation against NAFS since LVNV has clearly hired and given NAFS the responsibility of collecting this debt? Any collection efforts by either LVNV of NAFS on this debt should be a violation because NAFS never responded to the dunning letter, right?