Consumer complaint received 2025-09-06 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:
XXXX XXXX XXXX & LVNV Funding Failure to Validate Debt / Inaccurate Credit Reporting / Improper Lawsuit Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXXXXXX XXXX XXXX XXXX. and LVNV Funding, LLC for unlawful credit reporting, improper debt collection practices, and legal action being taken against me without proper validation of the alleged debt.

Background XXXX XXXX XXXX is reporting an account under my name that I did not authorize, open, or benefit from. I have disputed this account as fraudulent and requested validation. Despite my efforts, XXXX XXXX has not produced proper documentation proving that this account belongs to me. 

LVNV Funding, a third-party debt buyer, has purchased or claimed ownership of this same account and has placed it into collections. I disputed the debt and requested validation from LVNV Funding. They failed to provide proper validation, yet they are now suing me in court for this alleged debt.

Neither entity has provided : A signed application or agreement bearing my signature. 

Documentation proving I opened or authorized the account. 

A complete accounting or payment history. 

Proof that LVNV Funding has legal standing to collect or sue.

Violations Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) : LVNV Funding has continued collection activity, including filing a lawsuit, without validating the debt.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Both XXXX XXXX XXXX and LVNV Funding are reporting inaccurate and unverified information, causing harm to my credit profile. 

Improper Legal Action : LVNV Funding is pursuing a lawsuit against me based on an account that has not been validated. This is an abuse of process and an attempt to collect a debt without legal proof. 

Consumer Harm : These actions have caused lowered credit scores, credit denials, financial stress, and the cost and burden of defending myself in court against a debt I do not owe.

Proposed Resolution To resolve this matter, I respectfully request that the CFPB require XXXX XXXX XXXX and LVNV Funding to : Provide full and proper validation of the alleged account, including original signed documentation and complete payment records.

Cease all collection activity, including legal proceedings, until validation is provided. 

If the debt can not be validated, dismiss the lawsuit with prejudice and permanently delete all related tradelines from my credit reports with XXXX XXXX XXXX XXXX 

Provide me with written confirmation of either validation or deletion/dismissal. 

Ensure both entities future compliance with the FDCPA and FCRA to prevent similar consumer harm. 

I am currently being sued for a debt that has never been validated, which has caused unnecessary hardship and emotional distress. I ask that the CFPB intervene to protect my rights and stop these unlawful practices. 

Thank you for your assistance.

Company response to consumer: Closed with explanation