Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
RE : FORMAL DISPUTE OF LVNV FUNDING LLC COLLECTION ACCOUNT Account # : XXXX Balance {$1000.00} To Whom It May Concern : I, XXXX XXXX, am formally disputing the accuracy, completeness, and legal validity of the LVNV Funding LLC collection account currently appearing on my Experian credit report. This account lists XXXX XXXX XXXX  XXXX. as the original creditor, with a reported balance of {$1000.00}, date opened XX/XX/year>, and status indicating Collection account. {$1000.00} past due as of XX/XX/year>. 

This account is materially inaccurate, unverifiable, and reported in violation of the Fair Credit Reporting Act ( FCRA ). I hereby demand an immediate reinvestigation as my rights under FCRA 607 ( b ), 611, and 623 require.

1. NO ORIGINAL CONTRACT OR LEGAL AGREEMENT PROVIDED I dispute this debt because XXXX XXXX has never provided an original signed contract, application, or agreement showing that I entered into any obligation with XXXX XXXX XXXX  XXXX. Their failure to produce the original agreement violates FCRA 623 ( a ) ( 1 ) ( A ) prohibiting reporting of unverified information. 



2. NO PROOF OF OWNERSHIP OR CHAIN OF ASSIGNMENT LVNV Funding LLC is a debt buyer. Therefore, they must provide : A bill of sale, The complete chain of assignment, Proof that the alleged account was legally transferred to LVNV, Documentation that ties my name, DOB, SSN, and account number to the alleged debt. 

No such proof has been provided. 

Without legal ownership documentation, LVNV can not furnish or collect this account. 



3. MULTIPLE REPORTING ERRORS AND INCONSISTENCIES The account contains conflicting, inaccurate, and misleading information : Paid Off 0 % is listed, yet the account shows a full balance due. 
Balance updated : XX/XX/year>, with no documentation supporting this adjustment. 
Status updated : XX/XX/year>, which is inconsistent with later entries. 
Company Sold : yet the debt buyer claims to have purchased the account. 

These inconsistencies violate FCRA 607 ( b ), which requires all information to be accurate and up-to-date.

4. FAILURE TO PROVIDE VALIDATION AFTER MY DISPUTE Experian displays the remark : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Because the account is under dispute, XXXX  must : Conduct a legally compliant reinvestigation, Require LVNV to supply full validation, Delete the account if it can not be verified with original, admissible documentation.

If LVNV Funding can not produce validation, this account must be removed under FCRA 611 ( a ) ( 5 ).

FORMAL DEMAND FOR REINVESTIGATION AND DELETION I hereby request the following : 1. A complete reinvestigation of the LVNV Funding LLC account. 
2. Removal of the account if any part is inaccurate or unverifiable.

3. Copies of all documents LVNV provided to verify this account.

4. Written confirmation of the reinvestigation results. 

If Experian continues reporting this unverified account, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Alabama Attorney General And I will pursue damages under FCRA 616617 for willful or negligent noncompliance.

Company response to consumer: Closed with explanation