Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Re : Formal Dispute of Reporting / Licensing Verification Demand / Notice of Intent to Sue Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am formally disputing the accuracy, legality, and enforceability of the LVNV Funding LLC account appearing on my credit reports and being collected in the State of Florida. This letter serves as an FCRA dispute, FDCPA/FCCPA demand, and Notice of Intent to Sue.

1. FCRA VIOLATIONS INCONSISTENT & UNVERIFIABLE REPORTING LVNV Funding LLC is reporting conflicting, inaccurate, and inconsistent information across the consumer reporting agencies, including but not limited to : Differing account statuses ( Open/Collection vs. Closed/Charge-Off ) Different Date of Last Activity Different Date Opened Conflicting Date of First Delinquency Inconsistent ownership/assignment information These discrepancies violate : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) failure to correct inaccurate information after dispute FCRA 1681i failure of the CRAs to properly reinvestigate Conflicting information is legally unverified information, and unverified information must be deleted. 

You are required to : Conduct a reasonable investigation Provide documented proof of accuracy Provide complete chain of title from the original creditor to LVNV Provide itemized accounting of the alleged balance Correct or DELETE the account if verification can not be produced 2. FAILURE TO VALIDATE DEBT FDCPA 1692g ( b ) ( If LVNV or its agents contacted you. ) If LVNV Funding LLC or its representatives have attempted to collect this alleged debt without providing validation upon request, that constitutes a violation of : FDCPA 1692g ( b ) continued collection activity without validation FDCPA 1692e false, misleading representations FDCPA 1692f unfair practices Under federal law, no collection activity may continue unless proper validation is produced. 
3. POSSIBLE UNLICENSED COLLECTION ACTIVITY IN FLORIDA Florida Statute 559.553 requires any debt collector or debt buyer collecting in Florida to maintain an active Consumer Collection Agency ( CCA ) registration with the Florida Office of Financial Regulation ( OFR ).

Publicly available data shows : LVNV Funding LLC previously held Florida CCA license XXXX, active through XX/XX/year>. 

Current license status can not be verified without OFRs licensing database. 

If LVNV Funding LLC attempted to collect after its license lapsed ( or without an active license ), this constitutes : Violations of Florida law : Fla. Stat. 559.553 ( 1 ) operating without required registration Fla. Stat. 559.72 ( 9 ) attempting to enforce a legal right that does not exist Fla. Stat. 559.72 ( 18 ) communicating false credit information Any collection attempt without a valid Florida license is illegal and renders any debt collection unenforceable.

I demand that LVNV Funding LLC provide : A. Your current Florida Consumer Collection Agency license number B. The effective date and expiration date C. Proof that the license was active on the dates you attempted to collect If you can not produce this information, all collection activity must cease immediate
ly and the account must be deleted from all consumer reporting agencies.

4. FORMAL NOTICE OF INTENT TO SUE If you fail to : Provide proper validation Provide licensing verification Provide chain of title Correct ALL reported
inconsistencies Delete unverifiable information I will pursue legal action for : Under the FCRA ( 15 U.S.C. 1681n, 1681o ) : Statutory damages Actual damages Punitive damages Attorneys fees and costs Under the FDCPA ( 15 U.S.C. 1692k ) : Statutory damages up to {$1000.00} Actual damages Attorneys fees Under the FCCPA ( Fla. Stat. 559.77 ) : Statutory dam ages up to {$1000.00} per violation Punitive damages Attorneys fees This letter serves as formal notification that I am preserving all rights and claims.

Company response to consumer: Closed with explanation