Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting this same debt in two completely different classifications across the credit bureaus : XXXX  : Reporting as a collection XXXX  & XXXX  : Reporting as a charge-off This violates the FCRA, FDCPA, XXXX reporting standards, and every federal guideline that requires accuracy, consistency, and lawful furnishing.

A single account can not legally be reported as BOTH a collection AND a charge-off at the same time.

That is considered : Duplicate reporting Re-aging Inaccurate status reporting Misrepresentation of the nature and character of the debt and all of that is illegal.

I never received ANY written notice from LVNV Funding prior to these negative tradelines being furnished, which is already a violation of FDCPA 1692g ( a ).

I also requested written validation TWICE, and LVNV Funding failed to provide any legally required proof.FCRA Violations ( Furnisher Duties ) 623 1. Reporting inaccurate information LVNV is furnishing two different account classifications for the same debt.

This violates : FCRA 623 ( a ) ( 1 ) FCRA 602 ( A ) ( maximum accuracy requirement ) 2. Failure to ensure uniform data across bureaus Furnishers MUST report the same information to all CRAs.

LVNV is reporting three different versions of the same debt.

3. Misreporting the account status Charge-off and collection are legally different statuses.

Reporting both is a material misrepresentation.

4. Duplicate reporting of the same debt This artificially inflates derogatory impact and violates the FCRAs prohibition on deceptive furnishing.

5. Improper re-aging When an account is assigned or sold, it can not be reclassified into a new derogatory category.

LVNV has effectively re-aged the account by : Changing the account type Changing the status Furnishing different dates to different bureaus 6. Failure to correct disputed information LVNV continues furnishing inaccurate information while the account is marked In-Dispute. 
XXXX Standard Violations LVNV is violating XXXX standards by : Reporting conflicting account statuses Reporting conflicting Account Type fields Reporting conflicting Compliance Condition Codes Reporting conflicting Current Status Codes Failing to maintain accurate, consistent data across CRAs XXXX explicitly forbids dual-status reporting of a single account.

FDCPA Violations 1. Failure to provide initial written notice No 30-day validation notice was ever mailed to me.

Violation of FDCPA 1692g ( a ).

2. Continuing collection activity during a dispute LVNV continues furnishing to all three bureaus without validating the debt.

Violation of FDCPA 1692g ( b ).

3. Misrepresenting the character/amount/status of the debt Reporting as a charge-off AND a collection is a deceptive practice.

Violation of : FDCPA 1692e 1692e ( 2 ) ( A ) 1692e ( 8 ) 1692e ( 10 ) 4. Failing to validate the debt after multiple requests Violation of FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation