Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

Debt Collector : LVNV Funding LLC Reported Amount Owed : {$320.00} XX/XX/year> Action Taken : Dispute Mailed to XXXX, XXXX, and XXXX Details : I never had a contract with this debt collector for any debt. 
Requested proof from the original creditor that LVNV Funding LLC owns this debt and has the legal authority to collect it. 
Requested deletion of the account if proof could not be provided. 

XX/XX/year> Action Taken : Second Dispute Mailed to XXXX, XXXX, and XXXX Details : Reiterated that I never had a contract with this debt collector for any debt. 
Requested proof of the original creditors authorization for LVNV Funding LLC to collect the debt. 
Expressed disagreement with the results of the initial investigation. 
Requested proof of the investigation and the debt collectors legal right to collect, or deletion of the account. 

XX/XX/year> Action Taken : Third Dispute Mailed to XXXX, XXXX, and XXXX Details : Disputed the account again with the credit bureaus. 
Noted that the account was deleted from my XXXX report but not from XXXX and XXXX. 
Requested deletion of the account from XXXX and XXXX if the requested documentation could not be provided.

Violations of Federal and State Laws Federal Violations : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) : LVNV Funding LLC failed to provide a written notice containing the amount of the debt, the name of the creditor, and a statement of my rights within five days after initially contacting me about the debt.

15 U.S.C. 1692e ( 8 ) : Reporting false information about the debt without proper validation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation of my disputes, as evidenced by the failure to provide requested documentation.

Louisiana State Violations : 1. Louisiana Consumer Credit Law LRS 9:3562 : LVNV Funding LLC engaged in deceptive practices by reporting incorrect debt information without proper validation.

LRS 9:3571.1 : Failure to provide required information regarding the debt before reporting it to credit bureaus.

Intent to Exercise Legal Rights I know my rights under federal and state laws. If this account is not removed from my credit report or the requested documentation is not provided with all the details I have requested, I will exercise my legal rights. This includes pursuing legal action against LVNV Funding LLC for the following violations : Legal Actions Against Debt Collector : FDCPA Violations : Failure to validate the debt, failure to provide required notice, false reporting.

FCRA Violations : Failure to investigate disputes properly.

This detailed summary outlines the steps I have taken to resolve the dispute, the laws violated by LVNV Funding LLC, and my intent to exercise my legal rights if the requested documentation is not provided. Despite multiple disputes, I have not received any of the information or documentation I have requested from LVNV Funding LLC. Furthermore, the account was deleted from my XXXX report but not from XXXX and XXXX, which continues to be a violation of my rights under both federal and state laws.