Product: Credit reporting or other personal consumer reports

XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Account Information Account Number : [ Insert Account Number ] Dear Compliance Department, I am writing to formally dispute the information being reported on my credit file regarding the account referenced above. Upon reviewing the details provided in my XXXX credit report and the correspondence dated XX/XX/XXXX, from Resurgent Capital Services, I have identified significant discrepancies that require immediate correction.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am invoking the following statutes : 1. 15 U.S. Code 1681 ( c ) ( 2 ) This section requires outdated or unverifiable information to be removed from credit reports. The discrepancies in the date of first delinquency and reporting timeline raise concerns about the accuracy of this accounts reporting.

2. 15 U.S. Code 1692 ( g ) & ( c ) Under the FDCPA, I request validation of the debt, including documentation proving the accounts legitimacy, its accurate balance, and clear ownership history. Additionally, 1692 ( c ) outlines communication requirements, and I request that you cease reporting inaccurate information to credit bureaus until proper validation is completed.

3. 15 U.S. Code 1681 ( s ) ( 2 ) As a furnisher of information, you are obligated to report accurate data to consumer reporting agencies. The inconsistencies in the balance, date of first delinquency, and ownership details indicate a violation of this responsibility.

4. 15 U.S. Code 1681 ( e ) & ( i ) These sections mandate that the information furnished must be accurate and that a thorough reinvestigation be conducted when disputes arise. I am requesting such a reinvestigation into this account and its reporting. 



The specific issues I am disputing are : 1. Date of First Delinquency : Your letter states the date of first delinquency as XX/XX/XXXX, while my XXXX credit report reflects inconsistencies with the accounts timeline. The account was opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. These dates need clarification and correction. 



2. Balance Discrepancy : The balance reported on my XXXX credit file is {$15000.00}, while your letter lists the original charge-off balance as {$15000.00}. This difference is unexplained and raises questions about the validity of the amount being reported.

3. Ownership Validation : LVNV Funding LLC is listed as the current owner as of XX/XX/XXXX. However, there has been no proper validation of the transfer of ownership, nor has there been sufficient documentation supporting your authority to collect and report this account. 




Under the provisions of the laws mentioned above, I am requesting that you : 1. Provide a complete validation of the debt, including documentation proving its legitimacy, ownership, and a detailed breakdown of the balance.

2. Investigate and address the inconsistencies in the reported information.

3. Remove any unverifiable or inaccurate information from my credit report and update the credit bureaus accordingly.

4. Provide a copy of any signed agreement or contract bearing my signature that indicates I owe this debt to LVNV Funding LLC or any collection company you represent. 



If the investigation confirms errors in the reporting, I request the immediate deletion of the account from my credit report. Please provide a written response and any relevant findings within 30 days of receiving this letter, as required by law. 

Failure to comply with these statutes will result in my filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to your resolution. Please communicate with me only through email at XXXX. 

Sincerely, XXXX XXXX