Consumer complaint received 2026-05-01 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: MD

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding collection account for XXXX XXXX XXXX XXXX with {$240.00} balance currently reporting on my XXXX credit report, account number ending in [ last 4 if you have it ]. FCRA & FDCPA VIOLATIONS : 1. FALSE DATE OPENED FCRA 623 ( a ) ( 5 ) WILLFUL VIOLATION : LVNV reports " Date Opened : XX/XX/XXXX '' on my XXXX report. This date is factually impossible and per se illegal. XX/XX/XXXX is the date LVNV purchased this charged-off debt from XXXX XXXX XXXX XXXX, NOT the date the account was opened with the original creditor and NOT the Date of First Delinquency. XXXX XXXX XXXX XXXX is a secured credit card. The account would have required : 1 ) Application approval, 2 ) Security deposit, 3 ) 180+ days of delinquency before charge-off, 4 ) Sale to LVNV. The true Date of First Delinquency was in XXXX or XXXX. Under FCRA 623 ( a ) ( 5 ), debt buyers must report the DOFD provided by the original creditor, not their own purchase date. LVNV is using XX/XX/XXXX to conceal the real DOFD and illegally re-age this debt. This is the exact conduct prohibited by CFPB Consent Order XXXX against LVNV. 2. ILLEGAL RE-AGING FCRA 605 ( c ) : LVNV reports " Estimated month and year this item will be removed : XX/XX/XXXX. '' Under 605 ( c ), collections must delete 7 years from DOFD. This XX/XX/XXXX date suggests DOFD of XX/XX/XXXX. XXXXVNV has provided zero documentation of DOFD. If the real DOFD was prior to XXXX, this removal date is false and re-ages the account. 3. FALSE ACCOUNT TYPE FCRA 623 ( a ) ( 1 ) : LVNV reports " Account Type : Open Account. '' XXXX XXXX industry standards require charged-off collections to report as closed-end installment accounts. Reporting as " Open '' is factually false, artificially inflates my credit utilization, and violates the FCRA accuracy requirement. 4. FDCPA VIOLATION 15 U.S.C. 1692g ( b ) FAILURE TO VALIDATE : I disputed this account with XXXX and requested debt validation from LVNV. LVNV has not provided : 1 ) Proof of debt ownership/assignment from XXXX XXXX XXXX XXXX XXXX 2 ) Original account statements showing DOFD, 3 ) Complete payment history. Under 1692g ( b ), LVNV must CEASE ALL collection activity and credit reporting until validation is provided. LVNV continues reporting to XXXX monthly from XX/XX/XXXX through XX/XX/XXXX with no validation. Each month = separate violation. DAMAGES : 6 months of willful false reporting XXXX XXXX XXXX x {$1000.00} per violation = {$6000.00} statutory damages under FCRA 1681n , plus {$1000.00} FDCPA damages, plus actual damages from credit denials and higher interest rates. RELIEF REQUESTED : 1. Immediate deletion of this XXXX XXXX XXXX XXXX tradeline from XXXX, XXXX, and XXXX 2. {$7000.00} statutory damages for willful FCRA and FDCPA violations 3. Complete debt ownership chain from XXXX XXXX XXXX XXXX showing valid assignment + accurate DOFD 4. Written confirmation on LVNV letterhead that debt is cancelled and will not be sold/transferred 5. Cease all collection activity and credit reporting LVNV was fined {$40.00} XXXX by CFPB in XXXX for identical re-aging violations. This is a willful repeat offense.

Company response to consumer: Closed with explanation