Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 3 ) To Whom It May Concern, This letter serves as a formal demand that LVNV Funding LLC immediately cease and desist all inaccurate credit reporting and take corrective action regarding the account being reported under my name.

Your company is currently reporting erroneous or unverifiable information to one or more consumer reporting agencies ( CRAs ), in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : ________________________________________ FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Furnishers of information must maintain reasonable procedures to ensure maximum possible accuracy of information reported to credit reporting agencies. 
Your reporting fails to meet this standard, as the information being reported is inaccurate, outdated, or otherwise unverifiable. 
________________________________________ FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] Upon notification of a dispute, the CRA must conduct a reasonable reinvestigation within 30 days.

I have disputed this account with the credit bureaus. If you have verified the account during that dispute, then you have affirmed the accuracy of false or unverifiable information, which constitutes noncompliance.

________________________________________ FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] If a consumer disputes information directly with the furnisher, and that information is inaccurate, the furnisher must not report it without also noting it as disputed by the consumer.

You are currently reporting this account without marking it as disputed, which is a clear violation of your duties under this section.

________________________________________ Formal Demands As a result, I am demanding the following actions : 1. Cease all credit reporting of inaccurate or unverifiable information related to this account immediately.

2. Correct or delete the tradeline from all consumer reporting agencies within 15 days of receipt of this letter.

3. Cease all further collection activity related to this account unless and until full validation of the debt is provided in compliance with federal law.

4. Update all reporting to reflect that the account is disputed by consumer, as required under FCRA 623 ( a ) ( 3 ), if you choose to continue reporting.

Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and/or pursue civil action for damages under FCRA 616, 617, and any other applicable laws.

This letter serves as final notice. You are hereby instructed to cease all noncompliant reporting and provide written confirmation of your compliance within 15 calendar days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation