Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE DEMAND FOR DELETION OF INACCURATE REPORTING Accounts disputed : LVNV Funding LLC / Resurgent Capital Services XXXX  XXXX ( charged-off account still reporting as owned by XXXX XXXX ) To Whom It May Concern : I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), including 602A, 607 ( b ), 609 ( a ), 611, and 623, regarding inaccurate and unlawful information appearing on my XXXX  consumer report dated XX/XX/XXXX. 

This letter provides new evidence, including a Pay-to-Delete settlement, that requires immediate deletion of the account ( s ) listed below. 

1. DISPUTE LVNV Funding / Resurgent Capital Services Reason for Dispute : PAIDFORDELETION AGREEMENT ( PROOF ATTACHED ) XXXX  is currently reporting an account for LVNV Funding LLC XXXX Resurgent Capital Services, even though the account must be deleted based on a binding Pay-to-Delete agreement that LVNV accepted and cashed .

Evidence Submitted ( Attached & Cited ) : My signed Pay-to-Delete settlement letter, addressed to LVNV Funding, dated XX/XX/XXXX, states clearly that the {$150.00} payment was exclusively for the deletion of the account from all three credit bureaus. 

A Chase Cashiers {$150.00} Check, made payable to LVNV Funding LLC, with a memo referencing the account number. 

Bank-stamped transactional record showing the check was issued and provided to LVNV Funding. 

Both pages of this document are visible in your records. 


Legal Basis for Deletion : A Pay-to-Delete is a contractual agreement. Once LVNV accepted the cashiers check, they accepted the terms. 

You can not legally continue reporting a debt that has been contractually resolved, as this falsely represents the account status. 

Reporting a paid-for deletion account violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 failure to correct or delete previously disputed inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) prohibition on furnishing information known to be inaccurate FCRA 623 ( b ) failure to properly investigate once notified Required Action by XXXX : Delete the LVNV Funding/Resurgent Capital Services account in its entirety from my XXXX  credit file and provide written confirmation of deletion. 

XXXX. DISPUTE XXXX XXXX ACCOUNT Reason for Dispute : XXXX  XXXX NO LONGER OWNS THIS ACCOUNT My XXXX  report shows a XXXX  XXXX charged-off account still being reported as if XXXX  XXXX XXXX XXXX debt. This is inaccurate. 

Reason : XXXX XXXX sold this account. 

A creditor who sells a debt can not continue to report : An open balance, charge-off, Or any ongoing payment status. 

Once sold, a creditor must report the account as {$0.00} balance and closed, not as an active derogatory account. 

Evidence Submitted : Your uploaded XXXX  XXXX documents show the account is no longer owned by XXXX XXXX and was transferred/sold before the dates currently being reported. 
( XXXX  Credit Report XX/XX/XXXX & XXXX XXXX file ) Legal Violations : Continuing to report a balance or ownership after a sale violates : FCRA 607 ( b ) accuracy requirement FCRA 623 ( a ) ( 1 ) ( A ) prohibition on knowingly reporting false data FCRA 623 ( b ) duty to correct when a consumer disputes Required Action by XXXX : Correct the XXXX XXXX account to reflect {$0.00} balance, closed/ transferred, OR delete it entirely if XXXX XXXX can not verify ownership. 

3. REQUIRED ACTION UNDER FCRA Under FCRA 611, XXXX must : Conduct a reasonable investigation. 

Review all evidence provided, including the Pay-to-Delete proof.f Delete or correct the inaccurate information within 30 days. 

Provide a free updated credit report showing the change.s 4. SUMMARY OF DISPUTED ITEMS Creditor Reason for Dispute Required Action LVNV Funding / Resurgent Pay-to-Delete fulfilled & cashed DELETE XXXX  XXXX Account sold; falsely reporting ownership & balance CORRECT to {$0.00} & closed OR DELETE 5. FINAL DEMAND I am requesting written confirmation of all deletions and corrections once your reinvestigation is complete. 

Failure to correct these items may result in additional filings with : CFPB XXXX Attorney General FTC Federal District Court Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation