Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
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: NJ

Complaint narrative:
COMPLAINT SUMMARY : LVNV Funding LLC has violated the Fair Debt Collection Practices Act by : 1. Refusing to validate a disputed debt for over 8 months despite four written validation demands 2. Continuing collection activities without providing validation 3. Hiring a law firm to collect an unvalidated debt 4. Reporting an unvalidated, disputed debt to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) in violation of the FDCPA 5. Operating as a repeat offender ( XXXX FDCPA class action settlement ) BACKGROUND : In XX/XX/XXXX, LVNV Funding LLC ( through Resurgent Capital Services ) contacted me claiming I owed {$3900.00} on a XXXX XXXX XXXX account. I immediately disputed this debt and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). TIMELINE OF VALIDATION REQUESTS : XXXX. XX/XX/XXXX First Validation Request Sent within 30 days of initial contact Sent via certified mail to both LVNV Funding LLC and Resurgent Capital Services Requested : original signed contract, chain of assignment, proof of ownership, itemized accounting LVNV/Resurgent Response : Provided only a XXXX XXXX XXXX statement ( not signed by me ) and a self-created Account Summary Report. This is NOT proper validation. XXXX. XX/XX/XXXX Second Comprehensive Validation Demand Sent via certified mail Detailed all documentation required under FDCPA Explained why their previous response was inadequate LVNV/Resurgent Response : Form letters saying they were reviewing my inquiry. No validation provided. XXXX. XX/XX/XXXX Third Validation Demand Sent via certified mail Noted their continued non-compliance LVNV/Resurgent Response : Complete silence. No response whatsoever. XXXX. XX/XX/XXXX Fourth and FINAL Validation Demand Sent via certified mail Gave 15-day deadline Warned of regulatory complaints and legal action LVNV/Resurgent Response : Complete silence for XXXX days. XXXX. XX/XX/XXXX Follow-up Letter Noted 36 days since last demand ( total XXXX days of non-compliance ) Reduced compliance window to 7 days LVNV/Resurgent Response : Complete silence. TOTAL TIME SINCE INITIAL REQUEST : XXXX DAYS ( over 8 months ) XX/XX/XXXX LAW FIRM HIRED WITHOUT VALIDATION On XX/XX/XXXX, I received a Validation Notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a Florida-based law firm ) on behalf of LVNV Funding LLC XXXX This notice treats the debt as if it were never disputed, providing only : A claim I had an account with XXXX XXXX XXXX A balance of {$3900.00} A claim LVNV now owns the account The law firms notice contains NO documentation proving : That I owe this debt That LVNV legally owns this debt The validity of the amount Any of the validation I requested XXXX months ago SPECIFIC FDCPA VIOLATIONS : 1. 15 U.S.C. 1692g ( b ) Collection Without Validation LVNV has continued collection activities for XXXX days without providing proper validation despite XXXX written demands. Hiring a law firm to collect is a collection activity. 2. 15 U.S.C. 1692e ( 10 ) False Representations LVNV falsely represents legal standing to collect this debt without providing proof of ownership. 3. 15 U.S.C. 1692f Unfair Practices LVNVs XXXX refusal to validate while continuing to pursue collection ( including hiring a law firm ) is unconscionable and unfair. 4. 15 U.S.C. 1692c ( a ) ( 2 ) Ignoring Written Communication LVNV has ignored FOUR written requests for validation, demonstrating a systematic pattern of disregarding consumer rights. 5. 15 U.S.C. 1692e ( 8 ) False Credit Reporting LVNV IS CURRENTLY REPORTING this DISPUTED and UNVALIDATED debt to all three major credit bureaus Equifax, Experian, and TransUnion. I have confirmed this by reviewing my credit reports. Reporting a disputed, unvalidated debt to consumer reporting agencies without disclosing that it is disputed is false and misleading credit reporting in direct violation of 15 U.S.C. 1692e ( 8 ). This is an active, ongoing FDCPA violation. WHAT LVNV HAS NEVER PROVIDED : Despite four written requests over XXXX months, LVNV has NEVER provided : Original signed contract between me and XXXX XXXX XXXX with MY signature Complete chain of assignment from XXXX XXXX XXXX to LVNV Purchase agreement or bill of sale Proof of beneficial ownership ( not just servicing rights ) Itemized accounting of the {$3900.00} Authorization to collect in New Jersey ANY documentation proving they have legal standing to collect LVNV IS A REPEAT OFFENDER : I am aware that LVNV Funding LLC was a defendant in a class action lawsuit for Fair Debt Collection Practices Act violations that resulted in a settlement in 2020. Despite being held accountable in federal litigation just six years ago, they continue the exact same unlawful practices. This demonstrates that LVNVs violations are willful and deliberate, not accidental.PATTERN OF VIOLATIONS ACROSS MULTIPLE ACCOUNTS : LVNV is also attempting to collect on a SECOND alleged XXXX XXXX XXXX debt ( {$1600.00}, Account ending in XXXX ) using the same tactics : Multiple collection agencies ( XXXX, then XXXX XXXX ) Never providing validation Rotating through XXXX to pressure payment This demonstrates a systematic business practice of violating the FDCPA. HARM CAUSED : 1. Emotional Distress : XXXX months of collection harassment for an unvalidated debt while I was recovering from XXXX 2. Time and Expenses : Countless hours spent : Researching FDCPA rights Drafting four detailed validation letters Sending certified mail Responding to law firm contact Filing this complaint 3. Credit Damage : LVNV is actively reporting this unvalidated, disputed debt to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing actual, ongoing damage to my credit profile. 4. Violation of Consumer Rights : LVNVs systematic disregard for federal consumer protection law RELIEF REQUESTED : 1. Investigation of LVNV Funding LLCs debt collection practices 2. Order LVNV to : Cease all collection on this account Provide proper validation or close the account Immediately remove all credit reporting related to this account from XXXX XXXX XXXX XXXX Confirm this debt will not be sold or transferred 3. Enforcement action against LVNV for : Systematic FDCPA violations Operating as a repeat offender Pattern of violations across multiple consumer accounts 4. Civil penalties against LVNV Funding LLC 5. Compensation for actual damages I have suffered 6. Investigation of whether LVNVs business model systematically violates the FDCPA by : Purchasing debts without proper documentation Refusing to validate when challenged Rotating through multiple collection agencies Hiring law firms to collect unvalidated debts Reporting unvalidated, disputed debts to credit bureaus without dispute notation CONCLUSION : LVNV Funding LLC has engaged in egregious, systematic violations of the Fair Debt Collection Practices Act. For over XXXX months, they have : Ignored four written validation demands Continued collection without validation Hired a law firm to collect an unvalidated debt Actively reported this disputed, unvalidated debt to all three major credit bureaus Equifax, Experian, and TransUnion without disclosing its disputed status Demonstrated a willful pattern of violating consumer rights As a repeat offender with a XXXX class action settlement for the same violations, LVNV clearly has a business model built on violating federal consumer protection law. I request the CFPB take immediate action to : Investigate LVNVs practices Enforce the FDCPA Protect consumers from LVNVs systematic violations Hold LVNV accountable as a repeat offender Order the immediate removal of LVNVs tradeline from all three credit bureaus Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation