Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an account reported by LVNV Funding LLC, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX, account number ending in XXXX, which is currently appearing on my consumer credit reports. After recently reviewing my credit reports from all three major credit bureaus, I identified this account as inaccurate and unverified. I do not recognize this account and have no knowledge of any contractual relationship with LVNV Funding LLC. This account is currently being reported inaccurately and/or without proper verification. Under the Fair Credit Reporting Act 15 US 1681, I am requesting a complete investigation and validation of this account. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this alleged debt. To date, I have not been provided with sufficient documentation to substantiate the accuracy or legitimacy of this account. Specifically, I am requesting the following : Documentation bearing my signature showing that I authorized or entered into a contractual agreement for this alleged debt, and documentation showing compliance with federal reporting requirements Identification of the original creditor and a complete account history Proof of LVNV Funding LLCs legal standing to collect on this account, including a valid chain of assignment, the original contract signed using wet ink signature along with all contracts related to the original, notice of assignment, documentation of any transfers between servicer 's and proof this debt legally belongs to me Documentation showing how the amount being reported was calculated Under the FCRA, furnishers of information are required to report accurate and verifiable information. Reporting an account without proper validation may constitute a violation of federal law. Additionally, under FCRA Section 1681c-2, any information resulting from identity theft or inaccurate reporting must be properly investigated and, if unverifiable, removed. At this time, LVNV Funding LLC has not provided competent evidence demonstrating : I am filing this complaint regarding an account reported by LVNV Funding LLC, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, SC XXXX, account number ending in XXXX, which is currently appearing on my consumer credit reports. After recently reviewing my credit reports from all three major credit bureaus, I identified this account as inaccurate and unverified. I do not recognize this account and have no knowledge of any contractual relationship with LVNV Funding LLC. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this alleged debt. To date, I have not been provided with sufficient documentation to substantiate the accuracy or legitimacy of this account. Specifically, I am requesting the following : Documentation bearing my signature showing that I authorized or entered into a contractual agreement for this alleged debt Identification of the original creditor and a complete account history Proof of LVNV Funding LLCs legal standing to collect on this account, including a valid chain of assignment Documentation showing how the amount being reported was calculated Under the FCRA, furnishers of information are required to report accurate and verifiable information. Reporting an account without proper validation may constitute a violation of federal law. Additionally, under FCRA Section 1681c-2, any information resulting from identity theft or inaccurate reporting must be properly investigated and, if unverifiable, removed. At this time, LVNV Funding LLC has not provided competent evidence demonstrating : That I entered into any agreement with them That they are the rightful party with a legal claim to this alleged debt That the information being reported is accurate and complete Furthermore, I question LVNV Funding LLCs standing as they are not the original creditor and have not demonstrated that they suffered any financial loss or have firsthand knowledge of the alleged account. Because of these concerns, I am requesting that the CFPB require LVNV Funding LLC to : 1. Conduct a thorough investigation into this matter 2. Provide all requested documentation supporting this account 3. Remove the account from my credit reports immediately if they are unable to properly validate it This inaccurate reporting is negatively impacting my credit profile and my ability to access fair credit opportunities. I expect a prompt and thorough response in accordance with federal law.

Company response to consumer: Closed with explanation