Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint against LVNV Funding LLC ( serviced by Resurgent Capital Services, L.P. ) regarding a collection account they are reporting on my credit reports across all three major credit bureaus. The account appears under number XXXX on XXXX, XXXX XXXXXXXX on XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX on XXXX. The tradeline lists XXXXXXXX XXXX XXXX XXXXXXXX. as the original creditor with a balance of {$670.00} and a date opened of XX/XX/XXXX. I have no knowledge of this account, I never opened an account with XXXX XXXX XXXX XXXX, and I never authorized anyone to do so on my behalf. This debt is not mine. I have no knowledge of the underlying XXXX XXXX XXXX account that LVNV Funding LLC claims to have purchased. On XX/XX/XXXX, I submitted a formal dispute through XXXX ( via XXXX XXXX ) disputing the XXXX XXXX XXXX account with the stated reason : " I have no knowledge of this account. '' XXXX assigned this Dispute # XXXX, which was submitted and reviewed on XX/XX/XXXX. The dispute was resolved on XX/XX/XXXX with a result of " Unknown. '' XXXX explicitly stated : " Unfortunately, we did not receive dispute results for this account. '' This means the underlying debt was never verified through the dispute process. Despite this complete failure to verify the original XXXX XXXX XXXX debt, LVNV Funding LLC began reporting a brand-new collection tradeline on XX/XX/XXXX purchasing and attempting to collect on a debt that was never verified through the credit bureau dispute process. LVNV is attempting to collect on a debt that has no verified basis. LVNV Funding LLC is the second collection agency attempting to collect on this same XXXX XXXX XXXX debt. XXXX XXXX XXXX XXXX XXXX has been reporting a separate collection account for XXXX XXXX XXXX XXXX. since XX/XX/XXXX, with a balance of {$730.00}. Both LVNV Funding LLC ( {$670.00} balance ) and XXXX XXXX XXXX ( {$730.00} balance ) list " XXXX XXXX XXXX XXXX. '' as the original creditor on all three credit bureaus XXXX XXXX XXXX XXXX. This means my credit reports currently show a combined {$1400.00} in collection balances for what appears to be one single XXXX XXXX XXXX account an account I have no knowledge of ever opening. This double-collection drastically inflates my total reported debt, compounds the damage to my credit score ( currently XXXX XXXX on XXXX as of XX/XX/XXXX ), and constitutes a false representation of the character and amount of the debt owed. The {$57.00} difference between the two balances ( {$730.00} vs. {$670.00} ) is unexplained and further demonstrates that the data being reported is unreliable. LVNV Funding LLC 's reporting on XXXX contains a factual impossibility that demonstrates a fundamental lack of data verification. The XXXX credit report ( Confirmation # XXXX, dated XX/XX/XXXX ) shows the " Date of 1st Delinquency '' for the LVNV account as XX/XX/XXXX. However, LVNV 's own reported " Date Opened '' on the same XXXX report is XX/XX/XXXX. It is impossible for a delinquency to occur on XX/XX/XXXX more than XXXX months before the collection account even existed. This glaring error proves that LVNV Funding LLC and/or Resurgent Capital Services never verified the accuracy of the data before furnishing it to the credit bureaus, and that the credit bureaus accepted patently impossible data without applying reasonable procedures to ensure accuracy. The information LVNV Funding LLC reports varies materially across all three credit bureaus, further proving the data has never been uniformly verified. The account number is reported as XXXX on XXXX, XXXX XXXXXXXX on XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX on XXXX three different formats with no consistency. The account type is listed as " Debt Buyer '' on XXXX, " Debt Buyer Account '' on XXXX, and " FACTORING COMPANY ACCOUNT '' on XXXX. The account status contradicts itself : XXXX reports the account as " Closed '' while XXXX reports it as an " XXXX Account. '' These are mutually exclusive statuses for the same account at the same point in time. The servicer address is reported as XXXX XXXX XXXX, XXXX, SC XXXX on XXXX and XXXX, but XXXX XXXX XXXX, XXXX, SC XXXX on XXXX different ZIP codes. The projected removal date is XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. These inconsistencies across every major data field demonstrate that LVNV has not conducted any meaningful verification of the information it furnishes. I have actively disputed this LVNV tradeline with all three credit bureaus. All three bureaus currently display the notation " Account information disputed by consumer ( FCRA ) '' or equivalent language on the LVNV tradeline. On XXXX, the dispute comment has been present from at least XX/XX/XXXX through XX/XX/XXXX. Despite my disputes, no bureau has deleted the tradeline and no meaningful investigation has occurred. The underlying XXXX XXXX XXXX dispute through XXXX returned a result of " Unknown '' meaning the debt was never validated by the original creditor yet LVNV continues to report it as a valid collection account. LVNV has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act after being notified of my disputes. The LVNV Funding LLC collection tradeline, combined with the XXXX XXXX XXXX double-collection on the same XXXX XXXX XXXX XXXX XXXX has severely damaged my creditworthiness and financial standing. My XXXX Score XXXX on XXXX is XXXX as of XX/XX/XXXX, which is classified as " Poor. '' My XXXX credit report specifically identifies that 3 collections on my report are hurting my score and states that " virtually no XXXX XXXX XXXX have a public record or collection listed on their credit report. '' As a direct result of these inaccurate and unverified tradelines, I have been denied credit, forced to pay higher interest rates on any credit I can obtain, and I have suffered significant emotional distress from the ongoing harassment of being pursued by two separate collection companies for a debt I never incurred and have no knowledge of. Based on the facts described above, LVNV Funding LLC and its servicer Resurgent Capital Services, L.P. have violated the following federal and state laws : ( 1 ) Fair Credit Reporting Act 1681s-2 ( a ) Duty of furnishers to provide accurate information : LVNV is furnishing information it knows or should know is inaccurate, including an impossible delinquency date, inconsistent data across all three bureaus, and an unverified debt ; ( 2 ) FCRA 1681s-2 ( b ) Duty to investigate disputes : LVNV failed to conduct a reasonable investigation after being notified of my disputes by all three bureaus ; ( 3 ) FCRA 1681e ( b ) Bureaus ' duty to follow reasonable procedures to assure maximum possible accuracy : the bureaus accepted and continue to report data containing an impossible delinquency date ; ( 4 ) Fair Debt Collection Practices Act 1692e False or misleading representations : reporting a {$670.00} collection for a XXXX XXXX XXXX account I have no knowledge of ; ( 5 ) FDCPA 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of the debt ; ( 6 ) FDCPA 1692e ( 8 ) Communicating or threatening to communicate false credit information to any person, including credit bureaus ; ( 7 ) FDCPA 1692f Unfair practices : the double-collection with XXXX XXXX XXXX on the same underlying debt inflates the total amount reported and owed ; ( 8 ) FDCPA 1692g Validation of debts : I was never provided a proper debt validation notice within five days of the initial communication as required by law ; and ( 9 ) California Civil Code 1785.25 ( a ) Furnishing information to a consumer credit reporting agency that the furnisher knows or should know is incomplete or inaccurate.

Company response to consumer: Closed with non-monetary relief