Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV Funding LLC claims in their communication that they investigated my dispute, but they failed to produce any original contract, application, signature, itemized statements, or proof that I ever opened a credit account with any creditor they claim to have purchased debt from. A legitimate investigation would include : The original signed contract A verified credit application Proof of identity used by the person opening the account Copies of billing statements generated by the original creditor A complete payment history A chain of assignment showing the debt was legally transferred Evidence that the original creditor lawfully transferred the debt to a debt buyer LVNV provided none of the above. 

In their own letter, they effectively admit they do not have the required documentation, stating they must request documents from the creditor. That confirms that the account they are reporting is unvalidated, unsupported, and not legally collectible, because a debt buyer can not legally furnish derogatory credit data without original documentation. 

2. LVNV Fundings Letter Confirms They Can not Validate Anything LVNV Funding explicitly states in their letter that documentation may take longer to obtain and that they will reach out with updates when necessary. This statement makes it absolutely clear they have no validation in their possession.

Under the FDCPA, LVNV must already have documentation before they attempt to collect or furnish data to credit bureaus. They can not report a debt first, then attempt to gather documents laterthis is illegal.

A debt collector is required to obtain the following before reporting : Evidence the consumer opened the account Proof of ownership transfer Full documentation showing the debt is valid LVNV Funding is openly admitting they did not have this before reporting the account. 

This omission violates : FDCPA 809 ( a ) and ( b ) FCRA 602 FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must report accurate information ) A debt buyer holding no documentation can not legally report the debt.

3. I Filed an FTC Identity Theft Report Confirming This Is NOT My Debt To protect myself from further harm, I filed an official FTC Identity Theft Report, which legally establishes the following : I did not open this account I did not authorize anyone to open it I did not sign any contract with any creditor connected to LVNV Funding I did not receive any goods or services connected to the alleged balance This debt is fraudulent Under FCRA 605B, once a consumer files an FTC Identity Theft Report, the furnisher ( LVNV Funding LLC ) must : Block the fraudulent account Stop furnishing the account to all credit bureaus Stop collection activity immediately Remove the account from the consumers credit file These protections exist specifically to prevent debt collectors from harming victims of identity theft.

LVNV Funding has ignored these legal requirements. 

4. LVNV Funding Must Remove This Fraudulent Account Under FCRA 605B FCRA 605B is crystal clear : If a consumer submits an identity theft report and states that the account is fraudulent, the furnisher must block the reporting of that account. The furnisher can not override this protection based on internal policies or procedures. Federal law mandates that identity theft accounts be blocked and deleted.

A fair and lawful resolution requires LVNV Funding to : Immediately delete this account from all credit reports Permanently block the account from being reported again Cease all furnishing of data related to this account Notify the three credit bureaus of the deletion Confirm in writing that the account has been removed LVNV Fundings refusal to comply demonstrates noncompliance with federal consumer protection laws.

5. LVNV Funding Is Attempting to Collect a Debt They Can not Validate In their letter, LVNV Funding refers to themselves as the entity responsible for answering disputes, which means they are operating as a debt collector under federal law. Debt collectors must cease collection until they validate a debt. LVNVs letter makes it clear they are attempting to validate it after the fact, which is illegal.

Because they can not validate the debt, they must : Cease all collection activity Remove the account Update all reporting agencies Apologize for erroneous reporting Provide assurances that they will not attempt collection again Continuing to report and collect on unvalidated debt is a violation of FDCPA 809 ( b ).

6. LVNV Has Failed to Conduct a Legally Compliant Investigation LVNV Funding claims they conducted an investigation, but no real reinvestigation occurred. A legally compliant investigation requires : Reviewing all supporting documents Providing the consumer with copies Confirming the consumers identity with the original creditor Verifying the origin of the debt Comparing signatures Ensuring validation exists BEFORE reporting Instead, their letter includes vague statements, no documentation, and no meaningful findings.

Their investigation is simply an internal note reviewnot the legally required process under the FCRA.

7. LVNV Funding Ignored My FTC Identity Theft Report Despite submitting an FTC identity theft report, LVNV Fundings letter does not : Acknowledge receipt of the FTC report Address identity theft Initiate identity theft processing Follow FCRA 605B procedures Block the account Stop furnishing information Treat this as a fraud case They are pretending this is a normal dispute, which it is not. 

Ignoring an identity theft report is a serious violation of : FCRA 605B FDCPA 807 ( 2 ) CFPB identity theft regulations FTC identity theft guidelines LVNV Funding had a legal obligation to treat this as identity theft, not a basic dispute.

8. LVNV Funding Is Reporting False Information That Damages My Credit This fraudulent LVNV account has severely harmed my credit in multiple ways : A. Lower Credit Scores A collection accountespecially one LVNV reports as derogatoryimmediately reduces credit scores. 

B. Loss of Financial Opportunities Because of this false account, I have faced : Credit denials Higher interest rates Negative lender decisions Lost financial benefits XXXX Emotional Distress Dealing with identity theft and companies ignoring legal obligations is extremely stressful and damaging to personal well-being. 

D. Time and Money Lost I have spent : Hours disputing Money on identity protection Time communicating with agencies Resources filing FTC reports The harm caused is serious, measurable, and ongoing.

9. LVNV Funding Must Provide Proof or Delete the Account If LVNV Funding insists the account is valid, they must provide : A signed contract Full itemized statements Original application Identification used at the time of account opening Proof of address and phone number used Full chain of assignment from the original creditor Any correspondence sent to me over the years LVNV provided none of these items because they do not exist.

A debt buyer can not : Guess Assume Estimate Or speculate They must prove the debt is real and belongs to the consumer.

LVNV can not do that.

10. Failure to Provide Proof Requires Immediate Deletion Under FCRA 611 ( a ) ( 5 ) If a furnisher can not verify the accuracy of an account within a reasonable timeframe : The credit bureau MUST delete it The furnisher MUST cease reporting it The account MUST be removed permanently LVNV Funding has provided zero evidence.

Under federal law, unverifiable information must be deleted. 

11. LVNV Funding Must Mark the Account as Disputed Under FCRA 623 ( a ) ( 3 ), LVNV must immediately : Report the account as disputed by consumer Notify all credit bureaus Reflect this status on all future furnishing Failure to do so misleads creditors.

LVNVs letter does not confirm this was done.

12. LVNV Funding Still Has Not Identified the Original Creditor LVNV Funding has not clearly stated : Who the original creditor is What type of account this was When it was opened When it was allegedly closed How the debt reached its current balance Whether any fraud alerts were present Whether the account was ever actually assigned to them A debt buyer must know these things. 

Their failure to provide this information shows the account is fraudulent. 

13. A Fair Resolution Requires Full Deletion and Cessation Because LVNV Funding : Can not validate Can not identify Can not document Can not prove Can not lawfully collect Can not furnish accurately The only fair and lawful resolution is : Immediate and permanent deletion of the LVNV Funding account from all credit bureaus.

This includes : XXXX XXXX XXXX And any third-party or secondary bureaus.

LVNV must also confirm : The account is blocked No further reporting will occur No collection activity will continue This is required under federal law.

14. LVNV Funding Must Notify Credit Bureaus and Provide Written Confirmation A fair resolution requires : Notification to all three bureaus Removal of all derogatory reporting A written statement confirming deletion A written statement confirming I am not responsible Confirmation that the account will not be reinserted If LVNV Funding ever attempts to reinsert the account, they must provide material documentation and the bureaus must notify me within 5 business days.

LVNV Funding must acknowledge this requirement.

15. LVNV Funding Must Comply With Identity Theft Protocols Under the FTC identity theft rules, LVNV must : Treat this as a fraud case Cease all reporting Cease all collection Delete the account Acknowledge the FTC report Assist the consumer in fraud resolution Avoid further harm They have not done any of these things. 

16. Final Summary To summarize : I do NOT own this LVNV Funding account I have never opened this account I filed an FTC Identity Theft Report LVNV Funding has not provided validation LVNV Funding can not prove this debt belongs to me LVNV Funding violated federal law This account is damaging my credit and harming me LVNV Funding must delete the account immediately A fair and lawful resolution requires full deletion, blocking, and cessation.

Company response to consumer: Closed with non-monetary relief