Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC due to their failure to provide validation for a debt they are reporting on my credit file. Despite my formal request for validation of this alleged debt, LVNV Funding LLC has not provided any evidence to substantiate that this account belongs to me or that I am legally obligated to pay it. Additionally, the reporting of this debt contains inaccuracies and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations Identified : Failure to Validate Debt 15 U.S.C. 1692g ( b ) ( FDCPA ) : After I disputed this debt and requested validation, LVNV Funding LLC failed to provide any proof that I owe this debt. They have not supplied : Documentation from the original creditor. 
A signed contract or agreement proving my liability. 
A breakdown of how the {$420.00} balance was calculated. 
Evidence that they have the legal authority to collect this debt. 
Potential Fraudulent Reporting I am unaware of this debt, and I have never signed any agreement or contract related to it. The continued reporting of this account without proper validation suggests it may be reported fraudulently.

Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information.

The account is misclassified as both " Open '' and " Collection/Charge-Off, '' which is misleading and inaccurate. 
The " Date Last Active '' ( XX/XX/year> ) is fabricated, as no payment or activity occurred. 
The missing " Date of Last Payment '' and conflicting reporting of a $ 0 monthly payment with a {$420.00} balance further demonstrate inaccuracies.

15 U.S.C. 1681i ( a ) ( 1 ) : Credit reporting agencies must investigate disputes thoroughly. LVNV Funding LLC has failed to verify this account or substantiate its accuracy.

15 U.S.C. 1681c ( a ) ( 4 ) : Adverse information older than seven years is not permitted. LVNV Funding LLC has not provided clear information on when this debt originated or proof that it is still within the reporting timeframe.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt. The conflicting account details violate this provision.

15 U.S.C. 1692e ( 8 ) : Failure to communicate that the debt is disputed while continuing to report it to credit bureaus.

Inconsistent Reporting Across Credit Bureaus : The payment history differs across credit bureaus. For example, XXXX  lists the account as " CO '' for recent months, while XXXX shows " OK '' for the same periods. This lack of consistency highlights errors in reporting. 
The comments section alleges serious delinquency without providing supporting evidence. 

Actions Requested : Immediate Resolution : Remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ) due to LVNV Funding LLC 's failure to validate the debt or prove its accuracy. 
Provide written confirmation that this account has been permanently removed. 
Investigation : Investigate LVNV Funding LLCs compliance with FCRA and FDCPA regulations, specifically their practices related to debt validation and accurate reporting. 

Impose appropriate penalties on LVNV Funding LLC for failing to fulfill their legal obligations under federal law. 

I request the immediate removal of this unverifiable and inaccurate account from my credit reports. I also seek written acknowledgment from LVNV Funding LLC and the credit bureaus confirming the resolution.

Company response to consumer: Closed with non-monetary relief