Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer. This is my XXXX  time writing to you to formally dispute the following collection account below that appears on my credit report. My first request was on XX/XX/year>. 

LVNV FUNDING you are in clear violation of 18 U.S Code 1028, for extortion, theft by deception, securities fraud, and mail fraud, as well as, 15 U.S Code 1692 ( d ) ( 4 ) for coercing me into making a payment and debt parking. Please delete the following account from my consumer report. I do not have a business relationship with LVNV Funding. I did not enter into a contractual agreement with LVNV Funding to have an account listed on my consumer credit report. I also did not authorize or enter into any contracts with LVNV Funding LLC. I did not enter into any XXXX party contracts with LVNV Funding as well. This account needs to be deleted from my consumer credit report. This is clearly FRAUD. 

You will need to provide me with a trilateral contract with my signature within XXXX business days in receipt of this letter. Per 15 U.S Code 1681 ( a ) ( 4 ) you have a responsibility to ensure fairness, impartiality, and consumers respect to privacy. My personal information has been shared and sold to you, a third party entity which is a clear violation of 15. U.S Code 6802 as well. 

Your company is also reporting late payments on my consumer credit report which are also unauthorized transactions on my consumer report. This is a clear violation of 15 U.S Code 1666b, which states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose unless they sent the information in section 1637b XXXX  days prior to the due date of payment. Please provide proof that your company provided such information to me. I request that you verify the accuracy of the debt. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and provide evidence that supports the validity of this account on my report while respecting my right to privacy. This means that you need to delete the following account from my consumer credit report until you are able to verify this account belongs to me. This account needs to be removed from my credit report entirely and permanently for the reporting of inaccurate, incorrect, and inconsistent information to all credit bureaus and debt parking. 

My request to block is not being made in error and nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. Please provide me with written confirmation of your findings and the actions taken regarding this dispute. 

I have attached a debt validation request letter and a ceast and desist for your review, and I aske that you comply with federal and consumer law with revelance to this debt that you claim I owe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief