Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LVNV FUNDING LLC XXXX OF RESURGENT CAPITAL XXXX, SC XXXX XX/XX/XXXX To whom it XXXX concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC - XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1800.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1800.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount I noticed the account LVNV FUNDING LLC ( XXXX ) is reported incorrectly on my credit report. It shows a rating of CollectionOrChargeOff with dates XXXX and XXXX. This affects my ability to get financing. Please remove this account as required by 15 U.S.C. 1681c. Also, provide proof of the {$1800.00}.

Also, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

When I scrutinized Date Opened ( XXXX ) presenting XXXX I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
I want to bring to your attention Creditor Type ( - ) reporting Finance. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!?

Lets examine Date of Last Activity ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 

LVNV FUNDING LLC - XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1500.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount The account LVNV FUNDING LLC with number XXXX is not correct on my credit reportits showing a rating of CollectionOrChargeOff. You mentioned the account was opened on XXXX and the last activity was on XXXX, but this doesnt add up. Please remove this account as soon as possible. 

You also mentioned the last verification date was XXXX. Under 15 U.S.C. 1681i, you need to show me the information you used to verify this account. Also, I need proof of the {$1500.00}, as I dont owe this.

Just like in Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), incorrect info must be deleted. Please make this correction.

Also, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 



I was looking at Date Opened ( XXXX ) expressing XXXX and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. 

Please delete this account from my credit report immediately. 

I want to bring to your attention Date of Last Activity ( XXXX ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Viewing Payment Status ( XXXX ) demonstrating CollectionOrChargeOff. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 

LVNV FUNDING LLC - XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1400.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1400.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount The account LVNV FUNDING LLC ( XXXX ) is incorrectly listed on my credit report as CollectionOrChargeOff, with dates XXXX and XXXX. This mistake is stopping my financing applications. 

As per 15 U.S.C. 1681m, I am requesting the immediate deletion of this account and proof of the {$1400.00}. 

Also, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

When I scrutinized Term Length ( XXXX ) presenting 1. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with XXXX XXXX standards Lets take a look at Credit Limit ( XXXX ) reporting XXXX. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the XXXX XXXX standards. There can be no deviation from these requirements. 

When I scrutinized Account # ( XXXX ) presenting XXXX. The information reported doesn't seem to meet the standards set by XXXX XXXX guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. 

You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law. 

Appreciatively, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CO XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company response to consumer: Closed with explanation