Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for their repeated failure to validate an alleged debt, their refusal to verify the chain of ownership, and their reliance on third-party debt collectorsResurgent Capital Services and XXXX XXXX XXXXto provide inadequate and incomplete responses on their behalf. Additionally, recent changes in how the account is reported raise serious questions about the legality of the exchange of my personal information between LVNV and these collectors. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Failure to Validate the Debt I have submitted multiple formal requests to LVNV Funding LLC to validate this alleged debt, including a certified letter received by them on XX/XX/year>. Despite my efforts, LVNV has failed to provide sufficient documentation to validate their claim. Specifically, they have not provided : A signed contract or agreement proving my obligation to this debt. 
A complete chain of title proving their ownership of the debt. 
An itemized breakdown of the alleged debt, including fees, interest, and the original balance. 

Instead of responding directly, LVNV has relied on third-party collectors, Resurgent Capital Services and XXXX XXXX XXXX XXXX to verify the debt. These verifications included incomplete or irrelevant documents, such as account summaries and unsigned applications, which fail to meet the legal requirements for debt validation under 809 of the FDCPA. 

2. Refusal to Verify Chain of Ownership In a previous CFPB complaint, I specifically requested that LVNV provide a full chain of ownership for this debt. Resurgent, responding on LVNVs behalf, explicitly refused to provide the purchase and sale agreement, stating : Resurgent is not obligated to respond to the consumers request for a copy of a purchase and sale agreement and declines to do so. 

This refusal prevents me from confirming LVNVs legal right to collect the debt and directly violates my rights under the FDCPA. 

3. Suspicious Reporting Practices and Data Exchange Recently, the account was altered in how it is reported to credit bureaus. Initially listed as LVNV/Resurgent , it is now reported solely as LVNV Funding LLC . This change raises concerns about : Whether my personal information has been improperly transferred or exchanged between LVNV and the third-party collectors. 
Whether the change in reporting is an attempt to mislead or obscure the history of this account and prior disputes. 

If LVNV has transferred my personal data without proper authority or failed to protect the accuracy and integrity of the account information, they may have violated the FCRAs provisions on data handling and reporting. 

4. Violation of Consumer Rights LVNVs actions demonstrate a clear pattern of : Failing to validate the debt properly, as required by the FDCPA. 
Ignoring my requests for proof of ownership, leaving the debt unverified. 
Misleading reporting changes that raise questions about the legality of their actions. 
Potentially improper sharing or transfer of my personal information.

Company response to consumer: Closed with explanation