Consumer complaint received 2021-03-17
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. (OH)

Hello..my name is XXXX XXXX XXXX . I am reporting some issues I have been dealing with and hope that someone can help. Before I begin I have added a Notarized Statement showing that I, XXXX XXXX XXXX am submitting this complaint on my own to the CFPB without the help of anyone. I am providing this so CFPB doesn't close my case due to them thinking someone else disputed this for me. Now for my Dispute with LVNV. Starting back in XXXX of XXXX I started off disputes by sending a letter regarding inaccurate and unknown things on my credit report. Up until now I have filed multiple complaints was with both XXXX as well as LVNV ( XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I have yet to get a response in some cases and ignored in others. Below is timeline of events. I have also added all of my proof as exhibits. XXXX Initial letter to Experian was sent detailing that I asked that they investigate. I also added in proof of violations which were numerous. I also pointed out the fact that the Two other bureaus promptly removed the account due to violations but Experian somehow seems to verify them. TO THIS DAY I STILL HAVE YET TO GET A RESPONSE. SEE EXHIBIT A. Exhibit B, Exhibit C. * XX/XX/XXXX Since no response I decided to send a letter to at least validate the debt to LVNV for two accounts listed on my report. These items were sent certified mail. Receipts and copies of the letter can be seen on Exhibit D, E, and F. * Around this time since I still have not heard a response from Either party, I opened an XXXX Dispute online. They responded back by updating the original balance. It now shows XXXX for both accounts. They however still neglected to delete the other blatant issues such as reporting history on a collection and continuing to update it monthly as if it is an installment loan. As well as showing monthly terms for a collection. Proof can be seen in Exhibit G and H. * On XX/XX/XXXX I received a letter from XXXX XXXX XXXX which is another subsidiary of LVNV. I thought it was a response to my asking for validation of the debts. Nope! It was instead a letter stating that unless I ask to validate the Information in 30 days, they will assume it is accurate and try to collect. This letter also has issues present. They have been identified in Exhibit I. * I have today XX/XX/XXXX I have pulled my credit report to see they are still updating my report monthly reporting on a charge off/collection account as if it is an active account. Still have yet to respond to my complaints both Experian, Resurgent, LVNV, XXXX XXXX XXXX or whatever name the company is going by today. I have added Exhibit J and K. To this day well over 80 days I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I have no choice but to enlist the help of the CFPB to hold XXXX and Resurgent/LVNV/XXXX XXXX XXXX accountable. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.