Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Request for Reinvestigation of Closed Case CFPB Case # XXXX Dear Consumer, Financial Protection Bureau , I trust this letter finds you in good health. I am writing to bring to your attention a matter of great concern regarding the closed case ( Case Number : XXXX ) involving LVNV Funding LLC . I believe that a reinvestigation is warranted due to several violations of consumer rights. 


Incomplete Debt Validation and Consumer Credit Reporting Errors : The debt in question remains unverified, and there are persistent reporting errors on my credit file, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Accuracy in reporting is essential for consumer protection. 

Failure to Provide 1099 C Tax Form for Charge Off : LVNV Funding LLC has neglected to furnish a 1099 C Tax form for the charged-off debt, violating tax reporting requirements and potentially impacting my financial records. 

Violation of Consumer Right to Privacy ( 15 USC 1861 B 2 ) : LVNV Funding LLC is in violation of my consumer right to privacy as defined in 15 USC 1861 B 2. Unauthorized reporting or disclosure of my personal information without consent is a breach of this statutory provision. 

Unauthorized Reporting Using Consumer Information ( 15 USC 1681 4 ) : The company has reported information on my credit file without proper authorization, contravening 15 USC 1681 4. This violation undermines the principles of fair and accurate credit reporting. 

Disputed Account Information : Despite my dispute, the errors on my account persists, this account does not meet the requirements of the Fair Credit Reporting Act ( FCRA ). This indicates a failure to comply with FCRA requirements. 

In addition, as per the prior closed case and previously attached letter from XXXX in the LVNV Funding LLC Compliance Department, the account was charged off, and LVNV Funding LLC acquired the account on XX/XX/XXXX. However, LVNV Funding LLC continues to report a Date of Last Activity of XX/XX/XXXX and a Past Due Balance of {$3700.00} with an effective date of XX/XX/XXXX. A charge-off is a closed account and can not have a past due balance and a future date of activity. Furthermore, a charge off is a sold account this debt is not mine. 

I kindly request that the Consumer Financial Protection Bureau thoroughly reinvestigate the closed CFPB ( Case Number : XXXX ), taking into consideration the aforementioned violations listed above and view the Credit File listed below. Prompt deletion of this account is crucial to ensure the accuracy and integrity of my credit report. 

Thank you for your prompt attention to this matter. I anticipate a fair resolution of these concerns, and I request the immediate deletion of this account from my credit report. 

Cc : Georgia Attorney General Consumer Protection Division ____________________________________________________________________ Please see below errors on my Credit Report ( Also review letters from prior case and look at the errors ) LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3700.00} No. of Months ( terms ) : - High Credit : {$3700.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Sincerely,

Company response to consumer: Closed with explanation