Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Re : Formal Dispute and Demand for Debt Validation and Investigation FDCPA 15 U.S.C. 1692g | FCRA 15 U.S.C. 1681s-2 To Whom It May Concern, This correspondence constitutes a formal dispute and demand for validation of the alleged debt you are reporting and/or attempting to collect. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2. DISPUTE OF ALLEGED DEBT Account # XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX I dispute this account in its entirety, including : The existence of any valid obligation The amount claimed Your ownership and legal authority to collect The accuracy of any information furnished to consumer reporting agencies EXPANSION OF YOUR OBLIGATIONS UNDER 15 U.S.C. 1692g Under 1692g ( a ), a debt collector must provide sufficient information regarding the alleged debt, including the amount and the identity of the original creditor. Under 1692g ( b ), once a consumer disputes a debt, the debt collector must : Cease collection activity until the debt is validated Provide verification of the debt, not merely a restatement of prior information Validation requires more than a balance or summary. It requires competent evidence demonstrating : A valid underlying obligation A complete and accurate accounting of the debt Your legal right to collect Courts have consistently held that validation must be meaningful and supported by documentation : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) requires sufficient information to confirm the debt XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires clear disclosure of the amount and components of the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) collection activity must cease until validation is provided XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) validation must be sufficient to allow the consumer to understand and dispute the debt XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) reinforces the obligation to honor a consumers dispute and cease collection until validation These authorities establish that conclusory statements or internal summaries do not satisfy your statutory obligations. FCRA REPORTING OBLIGATIONS 15 U.S.C. 1681s-2 Because you are furnishing this information to consumer reporting agencies, you are subject to 15 U.S.C. 1681s-2. Under 1681s-2 ( a ) : You are prohibited from furnishing information that is inaccurate or incomplete Under 1681s-2 ( b ) : Upon notice of dispute from a consumer reporting agency, you are required to : Conduct a reasonable investigation Review all relevant information Report accurate results Correct or delete any information that can not be verified Courts have held that furnishers must conduct meaningful investigations : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) A superficial or automated verification process does not satisfy these obligations. DEMAND FOR FULL VALIDATION To comply with federal law, provide the following : A copy of the original signed agreement A complete itemized accounting of the alleged debt Full chain of assignment, demonstrating lawful transfer to LVNV Funding LLC Proof of your legal authority to collect The date of first delinquency, with supporting documentation All account-level transactional records relied upon NOTICE REGARDING COLLECTION AND REPORTING Pursuant to 15 U.S.C. 1692g ( b ) : You must cease collection activity until proper validation is provided Additionally, under FCRA 1681s-2, you must not : Continue reporting information that is inaccurate or unverifiable Verify disputed information without conducting a proper investigation DEMAND FOR ACTION If you are unable to provide the requested documentation establishing the validity and ownership of this account, I demand that you : Cease all collection efforts immediately Request deletion of this account from all consumer reporting agencies NOTICE OF ESCALATION Failure to comply will result in further action, including : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the Federal Trade Commission ( FTC ) Notifying the North Carolina Attorney General Pursuing civil remedies under federal law I expect your prompt attention and full compliance with your statutory obligations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation