Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Against LVNV Funding LLC Violation of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s, and 15 USC 1692c Dear CFPB, I am writing to formally dispute inaccuracies and violations of my consumer rights by LVNV Funding LLC , a debt collection agency, concerning an alleged debt reported on my credit report. Below, I outline specific violations of federal regulations and laws : # # # Violations of 12 CFR 1006.34 1. **12 CFR 1006.34 ( b ) ( 5 ) Itemization of the Debt : ** LVNV Funding LLC has failed to provide an accurate and clear itemization of the alleged debt as required. The breakdown provided does not reflect the true nature and calculation of the amount owed, making it impossible for me to verify the debts legitimacy.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) Validation Information : ** LVNV Funding LLC has not provided the necessary validation information within the required timeframe. Specifically, they failed to send me the written notice including the debts amount, the name of the creditor, and a statement informing me of my right to dispute the debt within 30 days. 

XXXX. **12 CFR 1006.34 ( d ) Form of Validation Information : ** The form and format of the information provided by LVNV Funding LLC are non-compliant with the stipulated requirements. The provided documents are unclear and incomplete, preventing me from understanding and verifying the alleged debt. 

XXXX XXXX XXXX Violations of 15 USC 1681s According to 15 USC 1681s, furnishers of information to consumer reporting agencies are required to report accurate information. LVNV Funding LLC has reported inaccurate information on my credit report, which has severely impacted my credit score and financial standing. 

XXXX XXXX XXXX Specific Discrepancies Noted : - The alleged debt amount is incorrect and inconsistent across different reports. 
- LVNV Funding LLC has failed to provide documentation proving the validity and ownership of the debt. 
- Despite my previous attempts to resolve this issue directly with LVNV Funding LLC, they have not responded adequately or provided the required validation information. 

XXXX XXXX XXXX  Cease Communication Request Under XXXX15 USC 1692c ( c ) XXXX, I hereby request that LVNV Funding LLC cease all further communication with me regarding this alleged debt. All future correspondence should be directed to my legal counsel, should I choose to appoint XXXX, or should be limited to legal notices as required by law. 

XXXX XXXX XXXX  Requested Actions : XXXX. **Investigation and Correction : XXXX I request the CFPB to conduct a thorough investigation into LVNV Funding LLCs practices and ensure they comply with 12 CFR 1006.34 and 15 USC 1681s. 

XXXX. **Removal of Inaccurate Information : ** I request the immediate removal of the inaccurate information reported by LVNV Funding LLC from my credit report until they can provide proper validation. 

XXXX. **Verification of Debt : ** I request LVNV Funding LLC to provide a complete and accurate itemization of the debt, proper validation information, and all necessary documentation as required by law. 

Below is the account number associated with the disputed debt : XXXXAccount Number : XXXX Thank you for your prompt attention to this matter. I look forward to a resolution that ensures compliance with federal regulations and protects my consumer rights. 

Sincerely, XXXX XXXX