Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and its servicer XXXX XXXX XXXX XXXXXXXX for willfully and repeatedly violating federal law, including the FDCPA, FCRA, and CFPB Regulation F. Their actions are not only noncompliant they are deliberately deceptive, abusive, and strategically predatory. This complaint is based on LVNVs continued refusal to provide lawful validation of a disputed debt and its reckless decision to continue furnishing negative credit information without legal proof or documentation. 

Despite filing two previous CFPB complaints # XXXX and # XXXXXXXX LVNV has refused to comply with validation laws and continues to report the account to XXXX XXXX XXXX XXXX. Their response to both complaints consisted of nothing more than recycled billing statements, a generic letter, and a blatant declaration that they would not provide the legally required documents. 

Here are the facts : I formally disputed the debt in writing. 
I demanded validation under FDCPA 809 ( b ). 
LVNV refused to produce the original signed contract, which is the only enforceable proof that an alleged agreement exists.

LVNV refused to provide the purchase and sale agreement between them and XXXX XXXX XXXX  which is necessary to establish chain of title and legal ownership of the alleged debt. 
They continue to report the debt as valid despite failing to prove they even have the right to do so. 

Their refusal to provide these core documents means they are operating with zero legal standing and yet they are still poisoning my credit report. 

Let me be clear : billing statements are not validation. Anyone can create statements. The courts have repeatedly held that validation under 809 ( b ) requires more than account summaries. It requires : Legal proof of the debts existence Legal proof of ownership and assignment Legal proof of enforceability LVNV has provided none of the above. In fact, their own letter clearly states they are not obligated to provide these documents a statement which is false, deceptive, and in direct contradiction to federal law. The FDCPA requires them to validate upon request and to cease all reporting and collection if they fail to do so. They are doing neither.

They are currently : Reporting false information ( FCRA 623 ( a ) ( 1 ) ) Reporting a debt they can not legally prove they own Reporting disputed data without reasonable investigation ( FCRA 623 ( b ) ( 1 ) ) Failing to mark the debt as disputed in credit bureau updates ( FCRA 623 ( a ) ( 3 ) ) Continuing to report and collect without validation ( FDCPA 809 ( b ) ) Misrepresenting the character and legal status of the debt ( FDCPA 1692e ( 2 ) ( A ) ) Reporting false credit information with intent to coerce ( FDCPA 1692e ( 8 ) ) Violating CFPB Regulation F by responding in bad faith to a validation request Their tactics are clear : ignore the law, XXXX the consumer, and weaponize the credit reporting system to extort payment on a debt they can not prove. They are banking on the assumption that consumers will not fight back or understand their rights. That ends here. 

I am demanding the CFPB take immediate and forceful action : Immediately escalate this to a supervisory investigation Compel LVNV to produce the signed contract and chain-of-title documents Order the permanent deletion of the LVNV tradeline Refer this matter for enforcement due to pattern abuse of FDCPA/FCRA provisions Examine whether Resurgents templated responses constitute systemic obstruction LVNV is a repeat violator with a long history of regulatory abuse. If the CFPB fails to act on this, it sends a message to consumers that the dispute process is meaningless and that collectors can continue to harm consumers with no accountability.

I have followed every rule. I have disputed the debt multiple times. I have asked for documentation. LVNV has ignored the law and chosen to continue harming my credit in bad faith. This is not just a violation its calculated consumer abuse. I am asking the CFPB to finally hold them accountable.

Company response to consumer: Closed with explanation