If you haven't heard from LVNV in over 5 years and they're still increasing the balance, that's a red flag. A debt buyer can't legally add interest or fees unless they can prove a contractual right to do so and most of the time, they can't.
Stop disputing it as not mine with the credit bureaus that's a reason it keeps coming back verified. You need to challenge their authority to report those balance increases and ask for proof of assignment, original contract terms, and itemized calculations. This is an accuracy and completeness issue under the FCRA.
I bet if you checked the dispute status, it might say account not disputed that's an FDCPA violation you can use right away in this round.
Also, if the account is past the statute of limitations in your state, they can't sue you. And reporting monthly balance increases without letting you know can cross into illegal re aging or unfair collection practices.
One strategy: send LVNV a direct validation plus a cease interest letter, then follow up with a procedural dispute to the bureaus. Done right, this forces them to either prove it or stop reporting it.
