Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
I am writing to formally dispute and request the removal of an inaccurate and unverified collection account that appears on my credit reports from XXXX, XXXX, and XXXX. The details of the disputed account are as follows : Creditor Name : LVNV Funding LLC Original Creditor : WebBank/Fingerhut Account Number : XXXX Balance : {$630.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified several errors, violations, and inconsistencies with how this account is reported across all three bureaus. Below are the issues that warrant its immediate removal : XXXX. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( WebBank/Fingerhut ). LVNV Funding LLC has failed to provide any documentation proving they own or have the right to collect this debt. 

Without a legal purchase agreement or contractual proof, this account is being illegally reported on my credit file and must be deleted immediately. 

XXXX. Inconsistent and Inaccurate Reporting Across Bureaus The account information is inconsistent across the XXXX major credit bureaus : XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Account opened : XX/XX/XXXX Past due amount : {$630.00} Status : Collection Account Reported as delinquent as of XX/XX/XXXX, even though it was supposedly opened in XX/XX/XXXX, which is illogical and inaccurate. 
No payment history is available. 

XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Status : Collection Account, {$630.00} past due as of XX/XX/XXXX Reports inconsistent payment history with missed payments before the account was even opened. 
Comments indicate that I disputed this account, yet the company failed to verify it with sufficient documentation. 

XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Reports no payment history at all, which is inconsistent with XXXX and XXXX. 
Shows LVNV Funding LLC as an open account, contradicting the other reports. 
These contradictions clearly demonstrate errors in credit reporting, violating XXXX XXXX. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

XXXX. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under XXXX XXXX. XXXX ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( LVNV Funding LLC ) must : Conduct a reasonable investigation Provide documentation proving the debts validity Correct or delete any inaccurate or unverifiable information LVNV Funding LLC has failed to meet this legal requirement by not providing a purchase agreement, contract, or valid verification of the debt. Since they can not legally verify this account, the FCRA mandates that it must be deleted immediately.

Company response to consumer: Closed with explanation