Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

XX/XX/year> Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, Iowa XXXX Formal Complaint Against LVNV FUNDING LLC And Resurgent Capital Services. Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their unethical and potentially illegal practices in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). I also dispute owing any and all debts ( Account ending in XXXX to LVNV FUNDING LLC. First and foremost, LVNV FUNDING LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is a direct violation of federal regulations designed to protect consumers from inaccurate reporting and harassment by collection agencies. Furthermore, LVNV FUNDING LLC has denied me the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of due process infringes upon my rights as a consumer and demonstrates a blatant disregard for the regulations put in place to ensure fair treatment. In addition to these violations, LVNV FUNDING LLC has engaged in deceptive and misleading practices, further compromising my consumer rights. Their actions, which include false representation and misrepresentation of information, are not only unethical but also illegal according to federal law. It is imperative to note that LVNV FUNDING LLC has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which dictate the procedures for reporting consumer information accurately and responsibly. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of LVNV FUNDING LLC. Additionally, I urge the CFPB to take appropriate enforcement actions to ensure that LVNV FUNDING LLC ceases these unlawful practices and is held accountable for their actions. I am requesting debt validation and the purchase agreement between LVNV FUNDING LLC and the original creditor. I am revoking all rights of LVNV FUNDING LLC communications with me through email, texts and calls. Also according to XXXX Resurgent is not licensed and bonded to collect any debt in the state of XXXX. If LVNV Funding LLC believes otherwise they MUST provide satisfactory evidence. In addition this account is due to identity theft they are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within XXXX business days. Your company has been negligent in my previous request of blocking the fraudulent accounts, This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report. FTC identity theft attached. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and uphold the integrity of the financial system. Please keep me informed about the outcome to this complaint and thank you again for your attention to this matter.