Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent Via Certified Mail Formal Credit Report Dispute LVNV Funding LLC To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and reporting of the account listed below on my consumer credit file : Creditor/Collector : LVNV Funding LLCReported Balance : {$3200.00} Account Number : XXXX XXXX XXXX XXXX XXXX ( as reported ) I recently reviewed my consumer report and discovered this negative account. I have reason to believe the information may be inaccurate, incomplete, improperly verified, or the result of unauthorized use of my personal information. In XXXX, I was affected by a data breach involving XXXX. Because my personal identifying information may have been compromised, I am exercising my rights under federal law and requesting a full investigation of this account and the source of the information being reported. Pursuant to the following statutes : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy in consumer reporting. 15 U.S.C. 1681b ( a ) ( 2 ) governing permissible purposes and authorization for furnishing consumer reports. 15 U.S.C. 1692g requiring validation of alleged debts. 15 U.S.C. 1692c restricting certain collection activities when a debt is disputed. 15 U.S.C. 6802 protecting consumers ' nonpublic personal information and privacy rights. I request that you : Conduct a reasonable reinvestigation of this account. Provide documentary evidence that verifies the account belongs to me. Provide copies of any signed contracts, applications, promissory notes, or agreements bearing my signature. Provide documentation showing the chain of title and assignment of the alleged debt to LVNV Funding LLC. Identify the party that furnished the information to the credit reporting agencies. Provide evidence that the information reported meets the maximum possible accuracy standard required by federal law. Provide proof that my personal information was obtained, maintained, and disclosed in compliance with applicable federal privacy laws. Remove the account immediately if it can not be fully verified through competent documentary evidence. If your investigation determines that the account can not be verified, is incomplete, inaccurate, or was reported without sufficient evidence, I demand deletion of the tradeline from all consumer reporting agencies and written confirmation of such deletion. Additionally, due to the XXXX XXXX data breach and the possibility of identity theft or unauthorized use of my personal information, I request heightened scrutiny of any information being reported under my name. Please complete your investigation and provide the results within the timeframe required by the Fair Credit Reporting Act. I declare under penalty of perjury that the information provided in this dispute is true and correct to the best of my knowledge. The information is inconsistent and therefor may mot meet the Fair Credit Reporting Acts Maximum possible accuracy requirement under 15 USC 1681e ( b ). All 3 credit bureaus have different Date of Last Activity and Closed Dates. As of the date I obtained and reviewed these reports, the account was already appearing on my credit file during XXXX, yet multiple dates associated with the account are reported as occurring in XXXX. Future activity dates, future reporting dates, future verification dates, and future account opening dates are inherently inconsistent with the actual reporting timeline and create substantial doubt regarding the accuracy and integrity of the information being furnished. Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to assure the maximum possible accuracy of information contained in consumer reports. Information that reflects future dates while being reported in a prior year fails to satisfy this standard and warrants a thorough reinvestigation. Additionally, because I was affected by the XXXX data breach in XXXX, I have legitimate concerns regarding the accuracy, source, and handling of my personal information. I therefore request documentary evidence supporting every date being reported for this account. Original account opening date Date of first delinquency Date of last activity Date the account was acquired by LVNV Funding LLC Date reported Date verified Date closed If these dates can not be substantiated through competent business records, I request immediate deletion of the tradeline from all consumer reporting agencies. Sincerely,

Company response to consumer: Closed with non-monetary relief