Consumer complaint received 2026-06-08 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 * * Balance Reported : * * {$2000.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * Not Reported/ Unknown * * Complaint * * I am filing this complaint against LVNV Funding LLC regarding a collection account being reported on my consumer credit reports. LVNV Funding LLC is reporting a collection account with a balance of {$2000.00}. However, the account information being furnished is incomplete because the original creditor is not identified. Without disclosure of the original creditor, I am unable to determine the source, validity, ownership, and accuracy of the alleged 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. Reporting a collection account without properly identifying the original creditor raises significant concerns regarding the completeness and accuracy of the information being reported. Additionally, pursuant to 15 U.S.C. 1681s-2 ( b ), once a dispute is received, LVNV Funding LLC is required to conduct a reasonable investigation and review all relevant information before continuing to furnish information regarding the account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means in connection with debt collection activities. Debt buyers and debt collectors must possess sufficient documentation to substantiate the existence, ownership, amount, and legal collectability of debts they seek to collect or report. I dispute the validity, ownership, and accuracy of this alleged debt and 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 demonstrating LVNV Funding LLC 's ownership of or authority to collect the debt. 5. Documentation showing the complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the balance being reported. 7. Documentation establishing the date of first delinquency. 8. Verification that all information reported to consumer reporting agencies complies with FCRA requirements and XXXX XXXX reporting standards. 9. Documentation demonstrating that the amount being reported is accurate and supported by business records. The CFPB has emphasized that debt collectors and debt buyers must maintain sufficient records to support the accuracy and integrity of information furnished to consumer reporting agencies. If LVNV Funding LLC can not validate and verify this account, 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