Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
Company : XXXX XXXX XXXX ( XXXX ) Subject : Misrepresentation, False Credit Reporting, Failure to Resolve, Willful FCRA Violations I am submitting this formal complaint against XXXX XXXX XXXX ( XXXX ) for misrepresenting a debt, falsely furnishing inaccurate information to credit reporting agencies, and failing to provide lawful validation or resolve my ongoing dispute, in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. 

Despite submitting multiple disputes regarding the account in question, XXXX has refused to provide meaningful verification under FCRA 1681i and 1681s-2 ( b ). The only documentation ever provided consisted of generic balance statements or screenshots not original contracts, signed agreements, itemized transaction histories, or legitimate chain-of-assignment documents. These are legally insufficient to support debt reporting and do not meet the standard of proper investigation. 

XXXX has a longstanding history of unethical conduct and has been publicly criticized and sued in the past for purchasing and reporting unverifiable junk debt accounts. Their continued furnishing of inaccurate, disputed data with no substantial proof or cooperation reflects a pattern of intentional noncompliance and consumer harm. 

This account remains inaccurate and unresolved on my credit file, despite proper notice and documentation submitted on my part. I am therefore demanding : Immediate deletion of the account reported by XXXX from all credit reporting agencies ; A formal CFPB investigation into XXXX  pattern of abusive credit reporting ; Accountability for willful violations under FCRA 1681n and 1681o.

If this complaint is not resolved satisfactorily, I will escalate this issue to the Texas Attorney General and the California Attorney General, given XXXX primary base of operation. 

XXXX  failure to meet basic compliance standards can not be overlooked. I urge the CFPB to hold this company accountable and protect consumers from their deceptive and damaging practices. 

Company : LVNV Funding LLC Subject : False Credit Reporting, Insufficient Validation, Pattern of Abuse, FCRA Violations This complaint is filed against LVNV Funding LLC for knowingly reporting inaccurate debt information, failing to produce lawful debt validation, and continuing to harm my credit profile without resolving prior disputes submitted directly and through previous CFPB filings.

LVNV Funding is a known debt buyer that routinely furnishes unverifiable accounts to credit bureaus, relying on flimsy internal records or balance ledgers rather than any original creditor documentation. In my case, no valid proof of ownership, contract, or transaction history has ever been provided a clear violation of FCRA 1681i and 1681s-2 ( b ).

I formally disputed this account and requested validation under federal law. LVNVs response was inadequate and evasive, consisting of templated statements and incomplete records that do not meet the legal threshold for continuing to report derogatory information. Despite this, the account remains on my credit file, damaging my score and limiting my financial opportunities. 

XXXXVNV has a well-documented track record of these practices, including state and federal litigation concerning its tactics. Their behavior is consistent with a company that weaponizes credit reporting to extract payments on legally defective or time-barred accounts. Their failure to act in good faith constitutes willful noncompliance under FCRA 1681n.

I am requesting the following : Permanent deletion of the disputed account reported by LVNV Funding from all credit bureaus ; A formal CFPB investigation into their ongoing violations and historical patterns ; Referral to the Texas Attorney General and the South Carolina Attorney General, where LVNV is headquartered.

The burden of proof lies on the furnisher. LVNV has failed to meet this burden, and I will continue to escalate until the unlawful reporting is removed. Consumers should not be forced to tolerate weaponized credit reporting by debt buyers with no supporting records.

Company response to consumer: Closed with non-monetary relief