Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Complaint against LVNV Funding LLC for their blatant violation of the Fair Credit Reporting Act ( FCRA ), as evidenced by their inaccurate and incomplete reporting on my credit report. This violation has caused significant harm to my financial well-being and has infringed upon my rights as a consumer. 

Upon reviewing my credit report, I have discovered numerous discrepancies and inaccuracies within the information provided by LVNV Funding LLC. Moreover, the information differs and is incomplete across the three major credit reporting agenciesXXXX, XXXX, and XXXX. Despite my efforts to rectify these errors by sending dispute letters to both LVNV Funding LLC and the credit reporting agencies, I have yet to receive a satisfactory response from LVNV Funding LLC. Meanwhile, they have updated and verified the inaccurate information with the credit agencies, further exacerbating the damage to my credit profile. 

The violations committed by LVNV Funding LLC include, but are not limited to : Inconsistent Date of Last Payment : LVNV Funding LLC has inconsistently reported the date of the last payment, which has the effect of illegally re-aging the account and misleading potential creditors about the actual status of the debt. 

Misreported Date Accounts Opened : LVNV Funding LLC has inaccurately reported the date accounts were opened, which again constitutes re-aging the account and violates the provisions of the FCRA. 

Incorrect Account Status : LVNV Funding LLC has falsely reported accounts as open when they are, in fact, in collections. This misrepresentation of the account status is a violation of the FCRA and has a detrimental impact on my creditworthiness. 

Incorrect Payment History Reporting : Collections accounts should not report a payment history, yet LVNV Funding LLC has inaccurately reported payment history information on these accounts, further damaging my credit report. 

Additionally, LVNV Funding LLC has included three false derogatory accounts on my Equifax credit profile, further impacting my creditworthiness and violating my consumer rights. 


Furthermore, LVNV Funding LLC has failed to provide me with a written response detailing the methods used to verify the disputed information, as required by the FCRA. This lack of response demonstrates their disregard for consumer rights and their obligations under federal law. 

The FCRA mandates that consumer reporting agencies and furnishers of information, such as LVNV Funding LLC, ensure the accuracy and completeness of the information they report. By failing to adhere to these requirements, LVNV Funding LLC has violated the following sections of the FCRA : Section 623 : Responsibilities of furnishers of information to consumer reporting agencies. 
Section 616 : Civil liability for willful noncompliance. 
Section 617 : Civil liability for negligent noncompliance.

Company response to consumer: Closed with non-monetary relief