Consumer complaint received 2026-03-03 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: GA

Complaint narrative:
I am filing this complaint against LVNV FUNDING LLC for SYSTEMATIC, WILLFUL VIOLATIONS of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Georgia state licensing laws regarding TWO SEPARATE ACCOUNTS being collected illegally. In XX/XX/XXXX, I sent formal written disputes via CERTIFIED MAIL RETURN RECEIPT REQUESTED to LVNV FUNDING regarding TWO ALLEGED DEBTS : Account Original Creditor Balance ( EQ ) Balance ( TU ) XXXX XXXX XXXX {$1700.00} {$0.00} XXXX XXXX XXXX {$1500.00} {$0.00} My dispute letters explicitly stated for BOTH accounts : " THIS DEBT IS NOT MINE '' " I have no knowledge of this account '' " CEASE ALL COLLECTION ACTIVITY including credit reporting '' " DELETE this tradeline from XXXX, XXXX, and XXXX '' NMLS Verification ( Exhibit C ) : LVNV FUNDING LLC ( NMLS # XXXX ) holds NO LICENSE TO COLLECT DEBTS IN GEORGIA. I reside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their NMLS profile shows licenses in other states but GEORGIA IS NOT LISTED. XXXX validation period expired : XXXX [ DATE ], XXXX ( 30 days from mailing ). Current status ( XX/XX/XXXX ) : LVNV FUNDING has : FAILED to provide any validation of either alleged debt FAILED to delete either tradeline from my credit reports CONTINUED reporting to Equifax and TransUnion NEVER responded in any manner CRITICAL DISCREPANCIES BOTH ACCOUNTS : Account Bureau Balance Paid % # XXXX EQUIFAX {$1700.00} 0 % # XXXX TRANSUNION {$0.00} 100 % # XXXX EQUIFAX {$1500.00} 0 % # XXXX TRANSUNION {$0.00} 100 % BOTH EXPERIAN NOT REPORTED AT ALL N/A THESE DISCREPANCIES ARE LEGALLY IMPOSSIBLE. Two separate accounts can not simultaneously be : Owed AND not owed 0 % paid AND 100 % paid Present on two bureaus but completely missing from the third VIOLATION # 1 : 15 U.S.C. 1692g ( a ) FAILURE TO PROVIDE VALIDATION NOTICE ( BOTH ACCOUNTS ) LVNV FUNDING failed to provide the written validation notice required within FIVE DAYS of their initial communication for EITHER account. I have never received any notice from them regarding these alleged debts. This is TWO PER SE VIOLATIONS of 1692g ( a ). VIOLATION # 2 : 15 U.S.C. 1692g ( b ) CONTINUED COLLECTION WITHOUT VALIDATION ( BOTH ACCOUNTS ) After receiving my certified written disputes in XX/XX/XXXX, LVNV was required to CEASE ALL COLLECTION ACTIVITY until validation was provided. Instead, they CONTINUED REPORTING both disputed debts to XXXX and XXXX. Legal Authority : Russell v. Absolute Collection Services , Inc., 763 F.3d 385 ( 4th Cir. 2014 ) Credit reporting during the validation period constitutes " collection activity '' prohibited by 1692g ( b ). Duration : From XX/XX/XXXX through present ( XX/XX/XXXX ) XXXX days of continued reporting and counting for both accounts. VIOLATION # 3 : 15 U.S.C. 1692e ( 2 ) ( A ) FALSE REPRESENTATION OF CHARACTER/AMOUNT ( BOTH ACCOUNTS ) Reporting these debts with CONTRADICTORY BALANCES across credit bureaus falsely represents the character and legal status of the alleged debts. For each account : Account # XXXX : {$1600.00} owed ( EQ ) vs {$0.00} owed ( XXXX ) Account # XXXX : {$1500.00} owed ( XXXX ) vs {$0.00} owed ( XXXX ) A debt can not simultaneously be owed and not owed.

Company response to consumer: Closed with non-monetary relief