Consumer complaint received 2021-03-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV Funding is reporting excessive incomplete, inaccurate, and false information on my credit report on the account the claim was opened on or about XX/XX/XXXX such as the following : 1. ) I received a letter from LVNV Funding dated XXXX XX/XX/XXXX that states that my last payment to the original creditor was XXXX XX/XX/XXXX. The date of last payment the is being reported from them does not say reflect that date. 

2. ) LVNV Funding is reporting a false payment history to XXXX. Company reports that I paid them every month from XXXX - XXXX of XXXX, then states that I was 120 days late on XX/XX/XXXX, and then reports that I paid them on XX/XX/XXXX. All of this is false, incomplete, and unverifiable. I have never paid this company anything nor do I have any sort of payment arrangement with them. Company also clearly states in the letter received from them that " No payment has been received '' but they are reporting that the received a payment from me in XXXX of XXXX. 

3. ) LVNV Funding is reporting to XXXX that my date of last activity is XXXX XX/XX/XXXX, says my last payment was XXXX XX/XX/XXXX, but sent me a letter saying my last payment was XXXX XX/XX/XXXX. This date of last activity is inconsistent and does not reflect the paperwork they sent me. 

4. ) Why is LVNV Funding reporting my account status as 120 days late on a collection account to XXXX 5. ) There should be no past due reporting on a collection account especially since I have not agreed to any payment arrangements with this company.

6. ) This company is reporting a false/incomplete payment history to XXXX Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report on XXXX, XXXX, and XXXX of XXXX to XXXX. 

7. ) How can this company be reporting that an account was opened in XX/XX/XXXX but be reporting activity that was a year prior to the account being opened. 

8. ) If this company is reporting to XXXX that my date of last activity was 3 XX/XX/XXXX, then how is is that XXXX says my last activity was on XX/XX/XXXX when the account was supposedly open, and XXXX  be reporting that my date of last activity was XX/XX/XXXX A YEAR BEFORE THE ACCOUNT WAS SUPPOSEDLY OPENED? Why are all of these dates so drastically different? 

This same company LVNV Funding is also reporting Inaccurate, incomplete, and unverified information on the account reported to have been opened on or about XX/XX/XXXX such as the following : 1. ) Company reports to XXXX a false payment history reporting that I made payments to them on XXXX through XXXX of XXXX. Then reports that I was 120 days late on XX/XX/XXXX and 120 days late on XXXX of XXXX. Then they go on to report that I paid them on XX/XX/XXXX. All of this is inaccurate, unverified, incomplete, and down right false. I have never paid them anything nor have we ever set up any type of payment arrangement. 

2. ) Company reports that my payment status is 120 days late to XXXX. How can this be on a collection account?

3. ) LVNV Funding is reporting a past due on this same account. Why would there be a past due on a collection account especially on one that I have no payment arrangement with?

4. ) Company reports to XXXX that my last payment was XXXX XX/XX/XXXX BUT on a letter received from them on XXXX XX/XX/XXXX they state that the last payment was XXXX XX/XX/XXXX. Which on is it? they have also provided no proof or payment history for this. 

5. ) This company is reporting a false and incomplete payment history to XXXX. Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report in the month of XXXX, XXXX, and XXXX of XXXX to XXXX. 

6. ) LVNV Funding is also reporting to XXXX that my date of last activity on this account was XX/XX/XXXX. How can this company be reporting activity that was before the account was opened on XX/XX/XXXX? 

7. ) LVNV Funding reports on this account to XXXX that the last activity on the account was XXXX XX/XX/XXXX. Then to XXXX they reported that the last activity was XXXX XXXX XXXX and Lastly to XXXX the date of last activity was reported as being on XXXX XX/XX/XXXX. Why are all these dates so drastically different and why isn't whatever this supposed activity reported to all of the bureaus the same?

Company response to consumer: Closed with explanation