Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I am writing to file a complaint against LVNV Funding LLC and XXXX XXXX XXXX, for violations of the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Details of the issue : On XX/XX/year> I sent a certified debt verification letter as per FDCPA Section 809 ( b ) LVNV Funding LLC after seeing they been reporting to credit agencies on debts that I do not remember having. The letter was for them to verify these debts they claimed I owed. 
The first account was for {$790.00} and only included XXXX statement and an account summary with no supporting proof whatsoever. The second account that has continued to report to this day for {$230.00} only come with a letter from XXXX XXXX XXXX saying Resurgent Capital Services L.P . Manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry either directly or from XXXX XXXX XXXX, the current servicer of this account. All this was news to me but XXXX thing I can say for sure is that LVNV Funding LLC are reporting to the credit agencies as the original creditors. 
As mentioned above, due to their failure to verify this debt I am exercising my right under the FDCPA to request that they cease all collection activities, including reporting to credit agencies. Furthermore, their response was inadequate and does not constitute proper debt verification under the FDCPA and failed the minimum proper debt verification which should at least include : Proof of original debt ( copy of original contract and statement of account ) Proof of debt ownership- Chain of title/custody Itemized account statement ( Breakdown of the amount owed and payment history ) Information of the original creditor ( name of original creditor and date of the original debt ) Account number Status of debt ( Charge off or open ) Despite the letter sent and request to verify the XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have XXXX XXXX XXXX and continue to report to the credit agencies. This has caused damage to my credit report and violated my consumer protection rights and also FDCPA and FCRA Laws Violations XXXX. Violation of FDCPA XXXX XXXX ( b ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report the debt to credit reporting agencies without first providing me with the verification of the debt as required by law. 
XXXX. Violation of FCRA XXXX XXXX ( a ) ( XXXX ) : By continuing to report the debt without verifying it, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have provided inaccurate and misleading information to the credit reporting agencies XXXX. Violation of FCRA XXXX XXXX : These companies have failed to properly investigate the disputed debt, leading to further reporting of inaccurate information Impact Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in misreporting inaccurate, misleading and unverifiable information my XXXX XXXX has been negatively impacted and I have experienced unnecessary stress and anxiety. I believe this a clear violation of my consumer rights