Consumer complaint received 2023-07-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint Against LVNV FUNDING LLC for Repeated Violation of Consumer Rights and Failure to Verify Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING LLC , a debt collector company, for their persistent violation of my consumer rights and their failure to provide adequate debt verification. Despite multiple attempts to address this matter, my complaints to the Consumer Financial Protection Bureau ( CFPB ) have been ignored, and LVNV FUNDING LLC continues to report erroneous information on my credit report, causing grave emotional distress and hindering my financial goals. 

Details of the Complaint : Lack of Debt Verification : On XX/XX/XXXX, XXXX, XXXX, I received communication from LVNV FUNDING LLC claiming I owed a debt. I promptly requested them to provide proper verification of the alleged debt, as guaranteed by the Fair Debt Collection Practices Act ( FDCPA ). However, to date, they have failed to provide any method of verification they used to validate this debt. 

Absence of Contractual Agreement : I wish to emphasize that I have never entered into any contractual agreement with LVNV FUNDING LLC or any of their affiliates. Furthermore, they do not possess any documentation bearing my signature or any other proof of my liability for the alleged debt. 

Ignored CFPB Complaints : I have diligently submitted multiple complaints regarding this matter to the Consumer Financial Protection Bureau. Regrettably, none of these complaints have received appropriate attention or resolution. 

Persistent Erroneous Reporting : LVNV FUNDING LLC 's unwillingness to verify the debt accurately has resulted in continuous erroneous reporting on my credit report. This has led to severe emotional pain and has adversely affected my ability to achieve my financial objectives. 

Requested Actions : I urge the Consumer Financial Protection Bureau to take immediate action and compel LVNV FUNDING LLC to adhere to the following measures : Verify Debt : LVNV FUNDING LLC must be compelled to provide a clear and comprehensive verification of the alleged debt, as mandated by the Fair Debt Collection Practices Act. 

Removal of Accounts : In light of the absence of a valid contractual agreement and failure to verify the debt, I demand that all accounts associated with LVNV FUNDING LLC be removed from my credit report promptly. 

Accountability and Fair Practices : LVNV FUNDING LLC should be held accountable for their repeated violations of consumer rights and unfair debt collection practices. 
Resolution of Emotional Distress : I request suitable compensation for the emotional distress caused by their unjust actions. 

Ensuring Future Compliance : To prevent similar incidents from occurring in the future, LVNV FUNDING LLC must be subjected to strict monitoring and auditing of their debt collection practices. 

If this matter is not addressed promptly and my consumer rights are not safeguarded, I am prepared to pursue legal action to seek redress for the harm caused by LVNV FUNDING LLC 's actions. 

I have enclosed copies of relevant documents, including communications with LVNV FUNDING LLC to support my complaint. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation