Consumer complaint received 2026-01-30 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: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, This is my THIRD FORMAL COMPLAINT regarding LVNV Funding LLC and its continued inaccurate, incomplete, misleading, inconsistent, and potentially re-aged reporting of an alleged collection account on my credit reports. 

LVNV Funding LLC is reporting the following ALLEGED collection account : Alleged Account Reporting opened XX/XX/XXXX, reporting OPEN with an alleged past due balance of {$480.00}. 

However, LVNV Funding LLC is also reporting a balance of {$480.00}. This is inconsistent and inaccurate reporting. The balance can not simultaneously be {$480.00} and {$480.00}. Furnishing conflicting balance amounts to the credit bureaus demonstrates unreliable and unverified data reporting.

I have NEVER opened any account with LVNV Funding LLC and have NEVER conducted business with this company.

I have filed disputes with all three credit bureaus in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XXXX XXXX, LVNV Funding LLC falsely labeled my dispute as duplicate. This was NOT a duplicate dispute. Each dispute raised substantive violations including incomplete payment history, missing mandatory data, re-aging concerns, inconsistent balance reporting, and improper past due reporting.

Each time I dispute, LVNV marks the account VERIFIED within only a few days. A response within days without producing documentation and without correcting missing or inconsistent information does not constitute a lawful or reasonable investigation.

Additionally, all three credit bureaus have stated that they report the information exactly as it is furnished to them by the data furnisher. This means LVNV Funding LLC is the source of the inaccurate and inconsistent information being reported. Based on the conflicting balances, incomplete data, and repeated superficial verifications, I do not trust this companys reporting practices.

There is NO full and complete payment history being reported.

A compliant tradeline must reflect the complete month-by-month payment history beginning from the original account opening date with the original creditor, through all periods of activity, delinquency, charge-off, and closure. That complete historical payment record is completely absent.

Instead, LVNV Funding LLC is reporting : A collection account with an ongoing alleged past due balance Conflicting balances of {$480.00} and {$480.00} Incomplete or blank payment grids Missing historical monthly payment data No documented date of first delinquency No charge-off breakdown No detailed accounting of payments, credits, fees, interest, or adjustments You can not lawfully report an account as delinquent or in collection without reporting the complete and
accurate payment history that supports that status. Reporting a collection account as OPEN with an alleged past due balance is materially misleading. A collection account is not an open, active credit obligation with a recurring monthly payment due.

There are also serious RE-AGING concerns. The XX/XX/XXXX open date appears to reflect a reporting or acquisition date rather than the true original account opening date with the original creditor. If this is a purchased debt, the open date must not be altered in a way that extends the life of the negative reporting. Any manipulation of dates to extend reporting timeframes is unlawful and deceptive.

If LVNV Funding LLC is claiming that I am responsible for this alleged account, then I am ENTITLED to ALL ORIGINAL AND CURRENT DOCUMENTS pertaining to this alleged account.

This includes, but is not limited to : The original signed agreement with the original creditor The complete payment history from the original opening date through charge-off The date of first delinquency The original charge-off statement A full accounting explaining how the alleged balance was calculated, including the discrepancy between {$480.00} and {$480.00} The bill of sale Complete chain of title showing lawful transfer to LVNV Funding LLC All documents relied upon to verify this tradeline to the credit bureaus Generic letters, internal summaries, or billing statements are NOT proper validation. Simply stating that the account has been verified without producing the underlying documentation does not constitute a reasonable investigation.

The repeated pattern of : Rapid automated verification within days False duplicate dispute labeling Failure to provide requested documentation Failure to report full and complete payment history Reporting conflicting balance amounts Reporting misleading alleged past due balances Questionable open dates suggesting re-aging demonstrates reckless and willful noncompliance with accurate credit reporting obligations.

If LVNV Funding LLC can not produce full documentation and accurate, complete historical reporting, this alleged account must be deleted immediately.

I am requesting that the CFPB require LVNV Funding LLC to : 1. Provide all original and current documents pertaining to this alleged account.

2. Provide the full and complete payment history from original account opening through charge-off.

3. Provide documented proof of the date of first delinquency.

4. Provide a detailed accounting of the alleged balance, including explanation of the {$480.00} vs. {$480.00} discrepancy.

5. Correct all inaccurate and inconsistent reporting.

6. Immediately delete the alleged account if full compliance documentation can not be produced.

7. Provide written confirmation that all corrections and/or deletions have been completed with all three credit bureaus.

This is NOT a duplicate dispute. This is a formal dispute regarding inaccurate, incomplete, inconsistent, misleading, and potentially re-aged reporting that is causing ongoing harm.

I request immediate regulatory review, corrective action, and written confirmation of the outcome.

Company response to consumer: Closed with explanation