Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/year>, I discovered that LVNV Funding LLC had reported a debt to my credit reports with the major credit bureaus. This information was unexpected and appeared to be inaccurate, as I have no recollection or record of owing this debt. 

Following this discovery, in XX/XX/year>, I received a collection letter from LVNV Funding LLC demanding payment for the alleged debt. The letter did not provide sufficient information to verify the legitimacy of the debt, such as the original creditor 's details, account numbers, or any documentation supporting their claim. 

In an effort to resolve this issue, I promptly sent a written request to LVNV Funding LLC in XX/XX/year>, requesting validation and verification of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested detailed information and documentation proving that the debt is valid and that I am indeed responsible for it. 

Despite my formal request, LVNV Funding LLC failed to provide adequate verification of the debt within the legally required timeframe. Instead, they continued to report this unverified and inaccurate information to the credit bureaus, which has adversely affected my credit score and financial reputation. 

As of today, XX/XX/year>, no changes have been made. LVNV Funding LLC has not provided the requested validation, nor have they corrected or removed the inaccurate information from my credit reports. As a result of these inaccurate reports, I have experienced significant difficulties, including being denied for credit applications and facing higher interest rates on loans. This has caused undue stress and financial hardship. 

Furthermore, I have attempted to dispute this information directly with the credit bureaus since XX/XX/year>, but the disputed entries remain on my credit reports. LVNV Funding LLC has not taken appropriate action to resolve this matter despite multiple attempts to communicate with them. 

Actions Taken : XX/XX/year> : Discovered inaccurate debt reported by LVNV Funding LLC on my credit report. 
XX/XX/year> : Received a collection letter from LVNV Funding LLC lacking proper debt validation. 
XX/XX/year> : Sent a written request to LVNV Funding LLC for debt validation and verification under FDCPA. 
Since XX/XX/year> : Filed disputes with major credit bureaus regarding the inaccurate information. 
XX/XX/year> : Followed up with additional correspondence to LVNV Funding LLC requesting removal of inaccurate information, with no response or resolution. 
Desired Resolution : I request that LVNV Funding LLC immediately cease all collection activities related to this unverified debt and remove all associated negative entries from my credit reports with XXXX, XXXX, and XXXX. I also request written confirmation that these actions have been taken. If LVNV Funding LLC believes this debt is valid, I request that they provide complete and accurate documentation validating the debt as required by law. 

Failure to address and correct this matter promptly will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies to protect my rights and restore my credit standing.