Consumer complaint received 2025-08-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : * * 1. * * Consumer Financial Protection Bureau ( CFPB ) * * Online : [ cfpb.gov/complaint ] ( https : //www.cfpb.gov/complaint ) Mail : CFPB, P.O. XXXXXXXX XXXX XXXX XXXX, IA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Demand for Deletion of Inaccurate Accounts & Cessation of Illegal Practices XXXX XXXX XXXX XXXX Re : XXXX XXXX  Violations of FCRA, FDCPA, ECOA, Texas Finance Code 392, and CFPB Regulation V I am writing to formally dispute XXXX XXXX XXXX7 inaccurate closed accounts XXXX XXXX XXXX listed below ) and the illegal collection activities by LVNV Funding LLC. These accounts : - ContaiXXXX XXXX XXXX material inaccuracies * * ( false late payments, duplicate reporting, incorrect statuses ). 
- Violate XXXX XXXX XXXXXXXX XXXX coding standards XXXX XXXX XXXX XXXX XXXXXXXX ). 
- Were XXXX XXXX  reported without my consent or knowledge XXXX XXXX violating federal and state privacy laws. 
- Have caused XXXX XXXX  financial hardship XXXX XXXX, discrimination, and emotional distress. 

XXXX XXXX XXXX XXXX XXXX XXXX Demands Under Law XXXX XXXX  : 1. XXXX XXXX  Immediate deletion XXXX XXXX of all disputed accounts from all credit files. 
2XXXX XXXX XXXX Cessation of third-party harassment XXXX XXXX ( calls to my employer/family ). 
3. XXXX XXXX Audit of systemic reporting errors XXXX XXXX per CFPB Bulletin 2013-07. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Accounts & Legal Violations * * | Account Name | Reason for Dispute | Law Violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX {$580.00} collection XXXX despite disputes in progress XXXX XXXX XXXX XXXXXXXX reports ) .<br>- Harassment via third-party contacts. | * * FDCPA 805 ( c ), Texas Fin. Code 392.202 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Closed XX/XX/XXXX, but reports 7 " missed payments '' * while closed *. | * * FCRA 605 ( c ), XXXX XXXX Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate reporting ( as " XXXX XXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unique identifiers ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Listed as XXXX XXXX XXXX and " XXXX XXXX XXXX same creditor, duplicate tradelines. | * * FCRA 623 ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Reports " currently late '' despite being closed XX/XX/XXXX. | * * FCRA 605 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mismatched naming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inflating missed payments. | * * CFPB Regulation V 1022.42 * * | * ( Full list attached ) * -- - # # # * * Legal Grounds for Deletion * * 1. * * FCRA 611 ( a ) ( 1 ) ( A ) * * : Bureaus must reinvestigate disputed items within 30 days.

2. * * FCRA 623 ( b ) ( 1 ) ( D ) * * : Data furnishers must report accurately per XXXX XXXX standards. 
3. * * Texas Finance Code 392.304 * * : Prohibits debt collector harassment ( third-party contact ). 
4. * * ECOA Regulation B 1002.4 * * : Prohibits credit discrimination based on race. 
5. * * CFPB UDAAP * * : Unfair practices ( reporting unverified accounts ) violate 12 U.S.C. 5536. 

* * Systemic Discrimination Evidence * * : - Accounts * * wrongfully reported * * despite on-time payments XXXX XXXX XXXX XXXX XXXX XXXX  currently on-time '' but flagged for 2 missed payments ). 
- * * Duplicate tradelines * * targeting minority communities ( per CFPBs * XXXX report on credit invisibility * ). 
- XXXX XXXX  Obsolete accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXlosed XXXX ) still suppressing scores violating * * FCRA 605 ( c ) * * ( 7-year limit ).

-- - XXXX XXXX XXXX XXXX XXXX  Actions Required * * 1. * * Credit Bureaus * * : - Delete disputed accounts using * * ACDV codes * * : - * * Code 02 * * ( Not his/hers ) for duplicates. 
- * * Code 08 * * ( Obsolete ) for accounts >7 years old.

- Provide * * method of transmission logs * * proving XXXX XXXX compliance ( FCRA 623 ( a ) ( 8 ) ). 

2. * * CFPB * * : - Investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pattern of inaccuracies * * in low-income communities ( ECOA ). 
- * * Failure to reinvestigate * * disputes ( CFPB Consent Order 2022-01 ). 

3. * * Creditors/LVNV Funding * * : - * * Cease all collection activities * * and third-party contacts. 
- * * Retract fraudulent accounts * * per FCRA 623 ( c ).

-- - * * Attached * * : - Copies of credit reports ( XX/XX/XXXX ) with disputed accounts highlighted. 
- Evidence of third-party harassment ( call logs, witness statements ). 

I demand resolution within * * 30 days * *. Failure to comply will escalate to : - Texas Attorney General ( Consumer Protection Division ). 
- FTC complaint. 
- Civil action under * * Texas Business & Commerce Code 20 * * ( up to $ 20k in damages ). 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand deletion of 17 inaccurately reported closed accounts and cessation of illegal collection harassment. The credit bureaus violated * * FCRA 611 ( a ) * * by failing to correct errors within 30 days of my disputes ( certified mail sent XX/XX/XXXX ). LVNV Funding violated * * FDCPA 805 ( c ) * * by contacting third parties and * * FCRA 623 * * by reporting unverified debts. This systemic abuse constitutes credit discrimination under * * ECOA Regulation B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Simultaneous Dispute to All Three Bureaus * * Send this * * certified mail * * letter to each bureau ( addresses below ) : * * [ Your Letterhead ] * * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX * * Subject : URGENT DISPUTE DEMAND UNDER FCRA 611 & TEXAS FINANCE CODE 392 * * * * Re : Dispute of Inaccurate Accounts ( Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX  I formally dispute the following accounts as * * inaccurate, obsolete, and unlawfully reported * * : 1. * * LVNV FUNDING LLC * * ( Collection, {$580.00} ) - * Violation : * Reporting disputed debt despite ongoing investigation ( CFPB Case XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Duplicates ) - XXXX Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( non-unique identifiers inflating missed payments ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicates ) - XXXX Violation : XXXX XXXX XXXX FCRA 605 ( c ) * * ( reporting closed accounts as " late '' ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : * Marked " currently late '' though closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX FCRA 623 ( a ) ( 5 ) * * ). 
* ( Full list attached ) * * * Legal Demands : * * - * * Delete all accounts immediately * * using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Not his/hers ) oXXXX XXXX XXXX XXXX XXXX XXXX ( Obsolete ). 
- * * Audit XXXX XXXX compliance * * for Fields 18 ( Account Status ) and 29 ( Payment History ) per XXXX XXXX XXXX XXXX XXXX XXXX 
- * * Cease reporting * * these accounts under * * FCRA 623 ( c ) * *. 

* * Failure to comply within 30 days * * will result in : - CFPB escalation ( Case # XXXX XXXX 
- Lawsuit under * * Texas Business & Commerce Code 20 * * ( damages up to XXXX XXXXXXXX per violation ). 

* * Attached : * * - Copy of drivers license, SSN card - Highlighted credit reports ( XX/XX/XXXX ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief