Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed LVNV Funding LLC a written debt validation request regarding the account ending in XXXX XXXX XXXX with a reported balance of {$840.00}. In that letter, I disputed the alleged debt and requested account-level validation, including the original signed agreement bearing my signature, complete payment history from origination through charge-off, a bill of sale or assignment specifically referencing my account, documentation establishing the full chain of ownership from the original creditor to LVNV Funding LLC, the Date of First Delinquency, and a detailed breakdown of the balance being claimed. LVNV Funding LLC and/or Resurgent Capital Services responded , but the response was incomplete. The response included only limited documentation, such as an internal account summary and one billing statement. It did not include the signed agreement, complete payment history, bill of sale, assignment, purchase agreement, account-level sale schedule, complete chain of ownership, Date of First Delinquency support, or documentation proving that LVNV legally owns and has authority to collect or furnish this specific account. The issue is not simply that LVNV/Resurgent sent a response. The issue is that the response does not prove ownership, chain of title, balance accuracy, legal obligation, Date of First Delinquency, or authority to furnish this account to the consumer reporting agencies. A billing statement is not a bill of sale. A billing statement is not an assignment. A billing statement is not a purchase agreement. A billing statement is not a complete chain of ownership. An internal account summary is not account-level proof that LVNV Funding LLC owns this specific account. Despite failing to provide complete validation, LVNV continues furnishing this account to XXXX XXXX XXXX The account is not reporting on XXXX This raises an additional accuracy concern because the same account is not being furnished consistently across all bureaus. The reporting is also inconsistent between XXXX XXXX XXXX XXXX reports the account as an Open Account with the detail Unknown - credit extension, review, or collection, while XXXX reports it as a collection. XXXX reports the payment status as Collection/Chargeoff , while XXXX reports it as Late 120 Days. XXXX shows the Date Last Active as XX/XX/XXXX with no Date of Last Payment, while XXXX shows both the Date Last Active and Date of Last Payment as XX/XX/XXXX. Those inconsistencies are material. The same account should not be reported with conflicting account type, payment status, Date Last Active, and Date of Last Payment information if the furnisher has properly verified the account. These conflicts show that the information being furnished is incomplete, inconsistent, and unreliable. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until it obtains verification of the debt and mails the verification to the consumer. The documents provided do not fully verify ownership, chain of title, balance calculation, Date of First Delinquency, or authority to collect/furnish this account. The continued furnishing of inconsistent and unsupported information also raises concerns under the Fair Credit Reporting Act. Under 15 U.S.C. 1681s-2 ( b ), after a furnisher receives notice of a dispute through a consumer reporting agency, it must conduct an investigation, review the relevant information, report results to the CRA, and modify, delete, or block information that is inaccurate, incomplete, or can not be verified. LVNV/Resurgent has not provided complete account-level validation, yet continues furnishing the account with conflicting information. A generic account summary and one billing statement do not establish current ownership, authority to collect, authority to furnish, complete balance accuracy, or accurate reporting across XXXX XXXX XXXX The continued furnishing of incomplete and inconsistent information to XXXX XXXX XXXX is inaccurate, misleading, and unsupported.

Company response to consumer: Closed with non-monetary relief