Consumer complaint received 2026-06-09 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * LVNV Funding LLC * * Account Information * * * Balance Reported : {$1100.00} * Highest Balance Reported : {$1100.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Responsibility : Individual Account * Original Creditor : Not Reported/ Unknown * Remarks : Collection Account * * Complaint * * I am filing this complaint against LVNV Funding LLC regarding a collection account being reported on my consumer credit reports that I dispute. LVNV Funding LLC is reporting a collection account with a balance of {$1100.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt. A significant concern is that the original creditor is not identified on the credit report. Without disclosure of the original creditor, I am unable to determine the source of the alleged debt, verify the accuracy of the information being reported, determine whether the debt belongs to me, or establish whether LVNV Funding LLC has the legal authority to collect and report it. As a debt buyer, LVNV Funding LLC must maintain documentation establishing ownership of the debt and the legal right to collect it. However, the information currently being reported does not provide sufficient information for me to independently verify the debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not furnish information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, furnishers are required to conduct a reasonable investigation and review all relevant information before continuing to report the account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation establishing the validity of the debt, the amount owed, and their authority to collect it. I request that LVNV Funding LLC provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing LVNV Funding LLC 's ownership of the account or authority to collect it. 5. The complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the reported balance of {$1100.00}. 7. Documentation establishing the date of first delinquency. 8. Documentation demonstrating that the amount being reported is accurate and supported by business records. 9. Copies of any records used to verify the account during prior disputes or investigations. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. The Consumer Financial Protection Bureau has repeatedly emphasized that debt buyers and collection agencies must maintain sufficient records supporting the accuracy and integrity of information furnished to consumer reporting agencies. If LVNV Funding LLC can not provide competent evidence validating the debt, identifying the original creditor, and supporting the balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that LVNV Funding LLC conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation