Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Resurgent Capital Services, L.P., the servicer of the debt owned by LVNV Funding LLC, for failing to comply with federal laws governing debt collection and credit reporting. Despite my written request for debt validation on XX/XX/XXXX, Resurgent has failed to provide the required documentation within the legally mandated timeframe. Their continued reporting of this unvalidated debt on my credit report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Background Information Debt Details : Original Creditor : XXXX ( loan serviced by Avant ) Loan Origination Date : XX/XX/XXXX Current Debt Owner : LVNV Funding LLC ( represented by Resurgent Capital Services ) Claimed Debt Balance : {$3900.00} Key Timeline : I formally requested debt validation from Resurgent Capital Services on XX/XX/XXXX. 
As of today, Resurgent has not provided adequate validation of the debt, including the original loan agreement, a detailed accounting of the balance, or proof of ownership of the debt.

Despite this, Resurgent and LVNV Funding continue to report this unvalidated debt to XXXX. 
Violations Failure to Validate the Debt ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease all collection activities, including credit reporting, if the debt is disputed and validation is requested. Resurgent has failed to provide the required documentation within the 30-day period and has continued reporting the debt to XXXX, XXXX clear violation of this law. 
Inaccurate and Incomplete Credit Reporting ( FCRA Violation ) : The debt is being reported to XXXX only, and not to XXXX or XXXX, raising concerns about incomplete and inaccurate reporting. 
Furthermore, the debt is not consistently marked as " disputed, '' as required under 15 U.S.C. 1681s-2 ( b ) when a dispute is filed.

Unfair Business Practices and Misrepresentation : Resurgent 's failure to provide adequate validation while continuing collection efforts and credit reporting constitutes deceptive practices under Section 5 of the Federal Trade Commission Act.

Requested Actions I request the FTC and the Attorney General take the following actions : Immediate Deletion of the Debt from My Credit Reports : Due to Resurgent 's failure to validate the debt within the legally required timeframe, I request that all reporting of this account be deleted from my credit file across all bureaus ( XXXX, XXXX, and XXXX ). 
Cease All Collection Efforts : Resurgent and LVNV Funding should immediately cease any collection activities related to this account, including phone calls, letters, and credit reporting.

Investigation of Legal Violations : Investigate Resurgent Capital Services and LVNV Funding for their failure to comply with the FDCPA and FCRA, as well as for engaging in unfair or deceptive practices.

Consumer Redress and Penalties : Impose appropriate fines or penalties on Resurgent and LVNV Funding for their noncompliance with federal laws.

Supporting Documentation I have attached all relevant correspondence and documents, including : My debt validation request dated XX/XX/XXXX. 
The generic and incomplete response from Resurgent, which failed to provide adequate validation.

Conclusion Resurgent Capital Services and LVNV Funding have not fulfilled their legal obligations under federal law. Their failure to validate the debt and their continued reporting of this unvalidated debt to XXXX has caused undue harm. I respectfully request a prompt investigation and deletion of this account from my credit reports. 

Thank you for your attention and assistance.