Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC is attempting to collect and has reported XXXX ( XXXX ) accounts that I never opened or authorized Account No. XXXX and Account XXXX. XXXX. These accounts are the product of identity-fraudulent activity or are otherwise not my obligations. XXXX purchased or otherwise attempted to collect these alleged accounts and began reporting them to the major credit reporting agencies. 


XXXX & initial reporting. On or about XX/XX/XXXX, I learned that XXXX new derogatory accounts appeared on my credit report under XXXX affiliates : accounts numbered XXXX and XXXX. I never opened these accounts, never authorized anyone to open them, and never gave consent for any third party to use my identifying information to obtain credit. 

Identity-theft notice & disputes. Within days of discovering the accounts I sent XXXX written notices disputing the accounts and advising them these accounts resulted from identity theft. 

LVNVs failure to validate & continued collection/reporting. Despite receiving written dispute and identity-theft notices, XXXX failed to provide any legally sufficient validation : no originals of signed credit applications, no authenticated chain-of-title, no security agreement, no proof of consideration, and no documentation that the debt was incurred by me. XXXX nonetheless continued collection attempts and continued to report the accounts to XXXX XXXX XXXX XXXX XXXX credit and emotional distress. 

Demand for documents & refusal. I demanded XXXX produce the assignment/purchase agreement, UCC filings XXXX chain-of-custody, any billing statements in my name, and proof of valid signature/authorization. XXXX either ignored these requests, provided incomplete non-responsive documentation, or produced documents that do not establish my liability. 

Harm & damages. LVNVs actions caused : ( a ) derogatory entries on my credit file ; ( b ) increased difficulty obtaining credit and/or higher rates ; ( c ) time and expense investigating and attempting to cure the fraud ( certified mail, long-distance calls, credit-monitoring fees ) ; ( d ) emotional distress and humiliation; and ( XXXX ) potential identity fraud exposure. 

Systemic concerns & legal bases. LVNVs practices appear to be part of a systemic business model of purchasing charged-off accounts and attempting to collect without adequate verification or reasonable investigation of identity-fraud claims. This conduct implicates : the Fair Debt Collection Practices Act ( FDCPA ) for continuing collection and false representations after dispute ; and appears to involve unlawful use of personal identifying information ( identity theft ) and predicate acts that could support civil XXXX allegations ( 18 U.S.C. 1962 ( c ) ) and criminal identity-theft statutes ( 18 U.S.C. 1028 ). I am not only seeking correction of my individual file but request CFPB investigate whether LVNVs procedures for verifying account ownership are deficient and whether the company routinely fails to validate accounts before collecting or reporting.

Company response to consumer: Closed with non-monetary relief