Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and Resurgent Capital Services for violations of the FDCPA ( 15 U.S.C. 1692 et seq. ) and FCRA ( 15 U.S.C. 1681 et seq. ) regarding six collection accounts totaling {$7200.00} on my credit reports from XXXX, XXXX, and XXXX - four XXXX XXXX XXXX XXXX accounts, one XXXX XXXX XXXX XXXX XXXX account, and one XXXX XXXX XXXX XXXX account. Two separate LVNV accounts one for {$1600.00} opened XX/XX/XXXX and one for {$2200.00} opened XX/XX/XXXX, both with original creditor XXXX XXXX XXXX XXXX. share an identical masked account number on all three credit bureaus. Two legally distinct debt obligations can not share the same account identifier. I am disputing all six accounts and have submitted a formal written validation demand via USPS Certified Mail. Date of Written Dispute and 1692g Validation Demand Sent : XX/XX/XXXX, Upon receipt of this written dispute, LVNV Funding LLC and Resurgent Capital Services are required under FDCPA 1692e ( 8 ) to immediately flag all six accounts as 'disputed ' at all three credit bureaus. This obligation applies upon receipt of any written dispute and is not limited to a 30-day window. Failure to flag as disputed is a separate FDCPA 1692e ( 8 ) violation at up to {$1000.00} per account per bureau up to {$18000.00} across all six accounts on all three bureaus. SPECIFIC VIOLATIONS : 1. FDCPA 1692e ( 8 ) FAILURE TO FLAG ACCOUNTS AS DISPUTED. Upon receipt of my XX/XX/XXXX written dispute, LVNV Funding LLC and Resurgent Capital Services must immediately flag all six accounts as 'disputed ' at all three credit bureaus. Each failure to flag constitutes a separate 1692e ( 8 ) violation at up to {$1000.00} per account per bureau. Each new adverse XXXX XXXX update transmitted on a known-disputed account is an additional separate violation. 2. DUPLICATE ACCOUNT NUMBERS XXXX XXXX Field 4 FCRA 1681e ( b ). Two separate LVNV accounts carry the identical masked account number XXXX on all three credit bureaus : Account A : {$1600.00}, opened XX/XX/XXXX, original creditor XXXX XXXX XXXX XXXX XXXX Account B : {$2200.00}, opened XX/XX/XXXX, original creditor XXXXXXXX XXXX XXXX XXXXXXXX. Two legally distinct debt obligations can not share the same account identifier. Independent verification of either account is impossible, and neither can be validated as a distinct legal obligation. This is an independent FCRA 1681e ( b ) violation on each of the three bureaus where both accounts appear. See XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 3. DUAL REPORTING VIOLATION FCRA 1681e ( b ). LVNV Funding simultaneously reports account XXXX as a collection account while XXXX reports the same underlying XXXX credit card debt as a charge-off tradeline on the same consumer credit reports. A single debt can not be reported by both the original creditor and the debt buyer simultaneously. This creates a materially misleading impression of two separate obligations and is a prohibited duplicate reporting violation. See XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 4. DOFD NOT DISCLOSED FCRA 1681c ( a ) ( 4 ) AND 1681s-2 ( a ) ( 5 ). LVNV 's acquisition date is NOT the Date of First Delinquency. The DOFD with each original creditor has not been disclosed. Per CFPB Advisory Opinion 89 Fed. Reg. 4171 ( XXXX XXXX, XXXX ), DOFD disclosure is mandatory. LVNV had an independent duty under 1681s-2 ( a ) ( 5 ) to report the DOFD to all three bureaus within 90 days of acquiring each account. Failure to do so is a standalone violation on each account. 5. ACCOUNT XXXX ABSENT FROM XXXX FCRA 1681e ( b ). This account is reported on XXXX and XXXX but does not appear on XXXX a cross-bureau inconsistency that is independently actionable. 6. MISSING PAYMENT HISTORY FCRA 1681g. XXXX displays no payment history for multiple LVNV accounts. Complete XXXX XXXX payment rating data must be transmitted to all three bureaus. 7. CALIFORNIA DFPI LICENSING Cal. Fin. Code 100000 et seq. LVNV Funding LLC and Resurgent Capital Services must hold valid California DFPI debt collector licenses to collect from California consumers. License numbers have not been provided despite demand. 8. XXXX XXXX RESURGENT CAPITAL SERVICES/ LVNV LLC ( XXXX ). This case specifically names Resurgent Capital Services and LVNV as respondents and found that continued collection activity on disputed accounts constitutes an independent FDCPA violation. I am requesting the CFPB take this precedent into account in evaluating this complaint.

Company response to consumer: Closed with explanation