Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Date of Submission : XX/XX/year> Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Consumer Phone Number : XXXX Company Name : LVNV Funding LLC Company Address : XXXX XXXX XXXX, XXXX, SC XXXX Account Number : XXXX Product/Type of Loan : Unknown Complaint Description : On XX/XX/year>, I sent a notarized letter to LVNV Funding LLC via U.S. Postal Service Certified Mail, requesting validation of a tradeline listing associated with account number XXXX, which I do not own and have no knowledge of, and which they reported the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ) under my name, XXXX XXXX. This letter, acknowledged by Notary Public XXXX XXXX on XX/XX/year>, demanded a verified statement from a person with original knowledge of the debt, confirming its legality, that it was not disputed due to returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction or claimed as a loss with any insuring entity during the period it may have been payable, and that I had a contractual obligation related to the tradeline. I further requested that, if LVNV could not validate the debt within 30 days, they remove the negative tradeline from my credit reports. 

The mailing is documented by the attached U.S. Postal Service Certified Mail Receipt ( XXXX ), which confirms the letter was sent from my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX ) to LVNVs address ( XXXX XXXX XXXX XXXXXXXX, SC XXXX ) on XX/XX/year>. USPS tracking documentation ( USPS TRACKING # XXXX  ) confirms delivery on XX/XX/year>. The attached sender form ( SENDER COMPLETE THIS SECTION.pdf ) further corroborates the mailing. As of today, XX/XX/XXXXXXXX XXXX XXXX  days since delivery and 5 days past the 30-day validation period that expired on XX/XX/XXXX XXXX XXXXLVNV has failed to respond, provide the requested validation, or remove the negative tradeline from my credit reports. This ongoing reporting has damaged my credit score and financial standing, and their non-compliance is now unequivocal. 
I believe LVNV Funding LLCs actions violate several federal laws, including : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : Under Section 1692g ( b ), a debt collector must cease collection activities and provide validation of the debt if a consumer disputes it in writing within 30 days of receiving a debt collection notice. My notarized Certified Mail letter, delivered on XX/XX/year>, constitutes a valid dispute, and LVNVs failure to validate the debt or cease reporting the tradeline by the 30-day deadline of XX/XX/year>, violates this provision. Additionally, Section 1692e prohibits false or misleading representations, and their continued reporting of an unvalidated debt constitutes a misrepresentation. 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : As a furnisher of information to credit reporting agencies, LVNV is required to conduct a reasonable investigation and correct or remove inaccurate or unverifiable information after receiving notice of a dispute. My delivered validation request on XX/XX/year>, triggered this duty, and their failure to act violates FCRA requirements. Furthermore, Sections 1681n and 1681o provide for civil liability for willful or negligent noncompliance, which applies given the certified delivery evidence and expired deadline. 
XXXX. Potential Civil Rights Violations : Continued reporting of unsubstantiated debt, despite my documented and delivered request, may abridge my rights under federal consumer protection laws, potentially exposing LVNV to further liability. 
I request that the CFPB investigate this matter thoroughly and take appropriate action against LVNV Funding LLC. 
Supporting Documents : Additional Information : I am willing to provide further details, including current credit reports showing the negative tradeline, any correspondence from LVNV ( if received ), or additional USPS delivery confirmation details upon request. Please contact me at the address or phone number provided above. I urge the CFPB to expedite this complaint due to LVNVs clear non-compliance with the 30-day validation period, which expired on XX/XX/year>, and the ongoing harm to my credit standing.

Company response to consumer: Closed with explanation