Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Today I pulled my credit report and noticed that the company LVNV FUNDING, LLC was listed as a collection agency on 2 separate debts. " Dates Opened '' are both listed as XX/XX/XXXX. I contacted LVNV and spoke to 'XXXX XXXX at which time I tried to gather more information about the debts. I was told that debt # 1 was from XXXX XXXX in the amount of {$900.00}. I asked her to verify the original date of delinquency and she refused, stating that she did not have access to that information and that I would need to contact the credit reporting bureaus for any additional information. I was then told that debt # 2 was from XXXX XXXX NEVADA in the amount of {$590.00}. I asked for the originial date of delinquency and was told the same ; to contact the credit bureaus for any further information. I asked if there was any other account information she could give to help me verify the debts. She told me " no '', at which time I insisted on speaking to a supervisor. 

Next, I spoke with " XXXX ''. I asked her to give me a reference number or account number for the debts, which she was able to provide. I asked again what the original date of delinquency was for each account. XXXX stated that the " original date the account was opened '' was XX/XX/XXXX for the XXXX account. I told her that I was asking about the original date of DELINQUENCY, to which she replied that she could not give me that information because it was handled by a different department. I asked XXXX what the contact information was for that department and was told that I was not able to contact the department, they did not take calls. I requested any contact information for that department ; e-mail, fax, social media page, etc.. and XXXX stated that any additional information would need to come from the credit bureaus. 

Immediately after contacting LVNV FUNDING, LLC I contacted the original companies that owned the accounts ; XXXX XXXX and XXXX XXXX. XXXX XXXX Debt Recovery Department advised me that the original date of delenqency was no longer available to them as the account had been charged off and sold to LVNV FUNDING, LLC and to contact LVNV FUNDING, LLC for the  account information, as they were in possession of the account in its entirety. I asked if that meant that they would have access to the original date of delinquency and customer service representative 'XXXX  XXXX said, " Absolutely. ". I did also immediately call XXXX XXXX and spoke to 'XXXX  XXXX who advised me that the current account purchaser, LVNV FUNDING, LLC , has access to the information for the original date of delinqency but did provide me with a fax number to contact  someone in their account archives/recovery department to request a thorough look-through of my account. 

I learned more in 10 minutes speaking to each credit compnay than I did in the 40 minutes arguing with LVNV FUNDING, LLC.. It's clear LVNV FUNDING, LLC did not want to disclose the original dates of delinquency because the accounts are too old and outdated to be collecting. Furthermore, when contacting 2 other collection agencies for 2 other debts, I had NO problems getting the information I needed to verify the debts.