I am in desperate need of credit advice! I opened a Mervyns Account in 2003 and forgot to change my address. In April of 2006 I was contacted by adebt collection agency who said I owed $215.56 to Mervyns, which was 3 years past due. The agency said that I could clear this debt and settle for 75% of the $215.56, which amounted to $167.67. I did so. Since April of 2006 I have been notified by 2 different debt collection agencies, stating that I owe $53.00. I pulled my credit report recently and it shows that I have 2 delinquent accounts with the EXACT same account number. One delinquent account is with Mervyns and one is with LVNV funding, which says I have a "credit limit" of$53.00. However, when I sent in the settlement letter that I received from the debt collection agency I settled with, the new colletion agencies say that the account number on my Mervyns account DOES NOT match the account number on my settlement letter. I don't know what to do because I am POSITIVE that this is my only delinquent debt, andthat I settled it in 2006. I kindly ask for your advice because I feel helpless and I am exhausted from getting the run-around from these people. Please find attached the letter that I sent to the disputedepartment of both creditors on my delinquent accounts.
Collection Trouble
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"majors@oskie.com" / to Collection Trouble / show details / Jun 27

Use this debt validation letter
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
That should settle it all.