[Philly215]

Hello All,

I resecently did a 1-2 punch with LVNV & Cavalry Portfolio Svc (Both CA's). LVNV is collecting for a cell phone bill from atleast 5 years ago if not more. Calvary Portfolio is collecting for MBNA (Bank). I verified that the DV letters were received (CMRRR) before sending a dispute request ( No Knowledge) to the CA's. On June 30th I received my results from Experian with the outcome as "Updated" for both accounts. I never received a response of my DV letter to the CA's at all in over 35+ days. Experian explains "Updated" as A change was made to the item; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you" From what I can tell the change is reflected in teh balance owed, which has increade within a month from their data. Also the term states "1 Month" which I know is incorrect b/c I can't and never had a contract with a CA. What should I do next?