Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by LVNV FUNDING LLC. This dispute serves as a request for re-investigation, as XXXX recently sent a letter notifying me that the LVNV FUNDING LLC account was " UPDATED. '' However, I firmly believe that the information remains unverified and unjustified. I request XXXX to conduct a thorough re-investigation into this matter and remove this entry promptly. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by LVNV FUNDING LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the Collections entry is unwarranted. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the LVNV FUNDING LLC account does not address the core issue of validation. LVNV FUNDING LLC has not provided any verification demonstrating how they acquired the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXXs permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXXXXXX XXXX XXXX has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent for them to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC. Verify that XXXX XXXX XXXX had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.