Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Date : XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Alleged Account / Request for Validation Re : Account # : XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) To the Legal Department or Compliance Officer, I am writing to formally dispute the alleged debt referenced above. I have no knowledge of this debt, and I request that you validate it immediately. Additionally, I demand that you cease any and all reporting of this tradeline to the credit bureaus until it can be verified as accurate pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have obtained copies of my credit reports from XXXX XXXX XXXX XXXX Upon reviewing the data you furnished to these agencies, I have identified significant factual inaccuracies that prove your records are unreliable and that this debt is not valid. The specific inaccuracies are as follows : XXXX. Inconsistent " Date Opened '' : You reported to XXXX that this account was opened on XX/XX/XXXX. However, you reported to XXXX XXXX XXXX that it was opened on XX/XX/XXXX. A single debt can not have two different opening dates. Please explain which date is correct and provide the contract establishing that date. XXXX. Inconsistent " Date of Last Payment '' : You reported to XXXX that a last payment was made on XX/XX/XXXX. However, you reported to XXXX that there is no date of last payment, and to XXXX you reported a different " Last Active '' date. If you are reporting this debt to XXXX bureau with a payment date, you must report it to all bureaus consistently. This discrepancy suggests you are attempting to manipulate the reporting of this debt. XXXX. Impossible Timeline ( Future Date ) : The " Date Opened '' you provided to XXXX ( XX/XX/XXXX ) is a date that has not yet occurred. Reporting a future date for a past-due debt is factually impossible and indicates that your data is corrupted, fabricated, or contains a fatal clerical error. This alone renders the tradeline invalid and unverifiable. Validation Request : Pursuant to 15 U.S.C. 1692g, I request that you provide the following : A copy of the original contract bearing my signature. A complete accounting of the alleged debt, including how the amount of {$680.00} was calculated. Proof that you are licensed to collect debts in my state. Proof that the statute of limitations has not expired on this alleged debt. Demand to Cease Reporting : Until you can provide validation that resolves the discrepancies listed above ( specifically the future date and inconsistent payment history ), you must cease furnishing this information to the credit bureaus. Continuing to report inaccurate information after receiving notice of a dispute is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). Please govern yourself accordingly. I expect a response within 30 days. Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation