Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint regarding debt collection activity by XXXX XXXX XXXX, which stated it is collecting on behalf of LVNV Funding LLC regarding an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. XXXX representative stated the alleged balance is {$8400.00} and used escalation language about returning the account to the current creditor for further review for referral to a law firm in my state if the account is not resolved. Key facts : Identity / ownership confusion and misrepresentation. On a recorded call, XXXX stated : Our client, LVNV Funding LLC, has placed your XXXX XXXX XXXX, XXXX ( XXXX XXXX ) account with us for collections. XXXX then indicated the account could be returned to the current creditor and reviewed for possible legal referral. When I asked who the current creditor is, the representative stated it is LVNV Funding LLC. At the same time, I received notice that the alleged XXXX XXXX debt was transferred/sold to Resurgent ( Resurgent Acquisitions XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creates a serious concern of misrepresentation of the true current creditor/owner, and who ( if anyone ) has lawful authority to collect or furnish credit information. XXXX pressure without competent proof. XXXX attempted to push payment/discount resolution immediately while failing to provide competent documentation of ( a ) ownership/standing and ( b ) a binding consumer agreement that ties me to the alleged debt. XXXX previously removed from credit reports. I am also concerned this activity is an attempt to re-activate or reinsert a debt that I state was removed from my credit reports. Any attempt by XXXX to furnish this account again without competent documentation would be inaccurate and harmful. Formal written dispute and demand for validation. I prepared and sent ( or am sending ) a formal dispute/validation notice by certified mail directing XXXX, XXXX, XXXX, and affiliates to : Cease telephone collection and communicate in writing only ; and Provide competent validation, not invoices or billing statements. What I demanded ( and what they must produce ) : A signed application/contract OR a complete verified e-sign acceptance audit trail tying agreement/assent to me ; A complete chain of title from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner, proving this specific account was included ; A full itemization of the balance : principal, interest ( XXXX + calculation method ), fees ( with dates ), credits/payments, charge-off date/balance ; The Date of First Delinquency ( DOFD ), date of default, and last payment amount/date ; Identification of who is furnishing information to consumer reporting agencies and the legal authority to do so, including ensuring any reporting is marked DISPUTED. I explicitly stated : invoices/billing statements are not sufficient proof of liability. If they respond with invoices/statements instead of the above, that indicates they do not possess competent proof and should cease collection and refrain from furnishing. Deleted due to inability to prove the debt is mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted/removed this account from my credit report ( XXXX ) after I disputed it, because they could not prove the account was mine with competent evidence. I am now being contacted by XXXX XXXX XXXX and told LVNV Funding LLC is the current owner, despite separate transfer/sale communications referencing Resurgent. This creates serious concerns of misrepresentation, lack of standing, and attempted re-reporting of an unverified debt. Any furnishing or reinsertion of this alleged debt without a signed agreement or verified e-sign XXXX XXXX plus complete chain of title is improper and must be prohibited. They caused my credit score to drop as well.

Company response to consumer: Closed with non-monetary relief