Consumer complaint received 2022-05-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer. I am filing new and updated information/complaint against LVNV Funding LLC , in reference to complaint # XXXX. Not only did I find several inaccuracies, but I now have new and updated information on how LVNV Funding LLC, is still not complying with Federal Law. Attached labeled as " LVNV Dispute Method letter '', you will find yet another letter sent to LVNV Funding LLC, sent certified on XX/XX/XXXX, requesting the " description of procedure/method of verification '' used to verify this account, as to which they have fifteen ( 15 ) days to respond to. Also attached and labeled " LVNV Violations '', is a list of ten ( 10 ) violations this company has currently violated. Attached and labeled Exhibit A, is my current consumer report showing several inaccuracies being reported/furnished by LVNV Funding , including reporting this account as collections/charge off, Unknown, and Late 120 days. ( ALL INACCURACIES ARE CIRCLED ). Attached and labeled as Exhibit B, is my current consumer report where this account is reporting as a late payment. ( ALL INACCURACIES CIRCLED ). Attached and labeled as Exhibit C and D, is more inaccurate information reported such as inaccurate original creditor name and inaccurate remarks. ( ALL INACCURACIES CIRCLED ). Attached and labeled Exhibit E, is copy of my consumer report from XX/XX/XXXX, where the " Account Type/DetaiXXXX '' is inaccurate, " Balance '' is inaccurate, " No. of Months '' ( terms ), is inaccurate, " Past Due '' is inaccurate, " Payment Status '' is inaccurate, " Last Reported '' is inaccurate, " Comments '' are inaccurate, " Date Last Active '' is inaccurate, and " Date of Last Payment '' is also inaccurate. ( ALL INACCURACIES CIRCLED ). Also attached and labeled as Exhibit F, is another version of my current consumer report, showing a total of ten ( 10 ) inaccuracies. ( ALL INACCURACIES CIRCLED ). LVNV Funding LLC, stated in ALL of their responses that, " They are the " Current Owner '', and that they acquired the account on XX/XX/XXXX. Please be advised that in Exhibit A, B, C, D, E, and F, are all showing/reporting different " Date Opened '' dates. I am aware that under FCRA 623 and FDCPA 806b That a " CREDITOR '' " MUST '' enter a notice of dispute, and if this is not entered, the account CAN NOT report on my consumer report, and also under the FCRA, it is perfectly legal to DELETE an unverifiable, incomplete or inaccurate collection account. How can LVNV claim that this account was " verified '', with inaccurate information as accurate? And how can all three ( XXXX ) reporting agencies report three ( 3 ) different versions of information? Finally, with all of the documentation and correspondences between LVNV Funding and myself, XXXX XXXX, the consumer, I am aware that I have ample Exhibits, correspondences, and proofs that this company is in extreme violation of the Federal Laws and will use this new and updated information to file an additional complaint with my states Attorney General 's office and will commence litigation.

Company response to consumer: Closed with explanation