Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC ( serviced by Resurgent Capital Services ) is reporting a collection of {$2700.00} ( original creditor XXXX XXXX. / XXXX XXXX, opened XX/XX/XXXX ) on my XXXX XXXX, and XXXX files. On XXXX this tradeline reports the Original XXXX XXXX as " XXXX XXXX. '' A collection that does not even identify the original creditor can not have been accurately verified, and I have received no validation of this debt. Specific factual gap : LVNV can not link this specific account number to a specific bill of sale or account-level assignment from XXXX, and the XXXX tradeline XXXX the original creditor entirely. This is not a " not mine '' dispute. It is a demand that the reported balance, ownership, and chain of title be documented or the tradeline deleted. I demand the following five documents under FDCPA Section 1692g ( b ) : 1. The signed cardholder agreement or electronic acceptance log ( IP plus timestamp ) for the original XXXX XXXX account bearing my acceptance. XXXX. The complete, account-level chain of assignment from XXXX XXXX XXXX to LVNV Funding LLC : every bill of sale and assignment agreement proving THIS account number was included in the portfolio purchased. XXXX. An itemized accounting of the {$2700.00} : original principal, every charge, every payment received, all interest, all fees. XXXX. The date of first delinquency and date of last bona fide payment on the original account. XXXX. Proof of LVNV 's and Resurgent 's licensure to collect in the State of Florida. Statutes : FDCPA Section 809 ( b ) / 1692g ( b ) ( collection must cease until validation is provided ), FDCPA Section 807 / 1692e ( false or misleading representation of a debt that can not be substantiated ), FCRA Section 623 ( a ) ( 5 ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2, accurate furnishing and reasonable investigation ; the " No Info '' original-creditor field is a facial accuracy defect ), FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i, each bureau 's duty to reasonably reinvestigate ), Fla. Stat. 559.72 ( FCCPA ), Fla. Stat. 501.201 ( FDUTPA ). Under binding XXXX Circuit precedent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe furnisher 's 1681s-2 ( b ) reasonable-investigation duty applies to the objectively and readily verifiable facts here : whether a chain of title to this account number exists and who the original creditor is. Publication to third parties : The inaccurate information has been or will be published to every third party that pulls my consumer file in the ordinary course of underwriting. I am presently in the credit pre-qualification stage ; the continued presence of this unvalidated {$2700.00} tradeline materially increases the probability of denial and worse terms. Any such denial will be documented and added to the actual-damages record. This satisfies the XXXX XXXX injury predicate and pre-empts XXXX vXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Damages : The unvalidated {$2700.00} has materially depressed my credit standing and the terms available to me, constituting continuing actual damages within FCRA Section XXXX for as long as it remains. Feedback-option preservation : If this complaint is closed as " verified, '' " validated, '' or any procedural deflection without addressing the five documents demanded above, I will treat the closure itself as a 1692g ( b ) and 623 ( b ) violation and immediately file a follow-up complaint. Anti-deflection clause : A response that fails to provide documents 1 through 5 will be treated as a non-response and will result in ( a ) a follow-up CFPB complaint citing the non-response as a separate violation, ( b ) a Florida Attorney General FDUTPA complaint citing these federal violations as Fla. Stat . 501.201 predicates, and ( c ) a Florida Office of Financial Regulation complaint regarding LVNV 's and Resurgent 's state collection licensure under Fla. Stat. 559.553. The federal and state pressure on this matter will not abate until validation is provided in writing or the tradeline is deleted.

Company response to consumer: Closed with explanation