Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and their servicer Resurgent Capital Services, LP regarding an alleged debt that they have failed to validate properly under the FDCPA, despite repeated lawful requests. 

BACKGROUND : I am a confirmed victim of over 30 data breaches including the Equifax breach and the XXXX XXXX XXXX XXXX XXXX ) breach, which compromised over XXXX billion records. These breaches exposed my SSN, full name, past addresses, and more. As a result, I have exercised my right to extraordinary validation and identity theft protection under FDCPA 15 U.S.C. 809 ( b ) and FCRA Section 605B. 

ACCOUNT DETAILS : Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Collector : LVNV Funding LLC / Resurgent Capital Services Account Ending : XXXX Alleged Balance : {$7000.00} Reference ID : XXXX Credit Reporting Bureaus : XXXX XXXX XXXX DISPUTE HISTORY : I sent a full debt validation request on [ XXXX XXXX ]. I demanded the following legally required items : Original signed contract with XXXX XXXX Complete chain of title proving ownership of the debt Itemized accounting showing how the balance was calculated Proof of legal ability to collect in Georgia Identity verification documentation in light of known data breaches IN RESPONSE, they sent only generic form printouts that : Did NOT include any original contract or agreement Did NOT show ownership history or legal chain of title Did NOT itemize the account Did NOT respond to identity theft or breach concerns Despite failing to validate this debt, LVNV Funding has continued to : Report the debt to the credit bureaus ( in violation of FCRA 1681s-2 ) Attempt collection on unverified debt Refuse to cease communications This is a clear violation of : FDCPA 809 ( b ) : Validation failure FDCPA 807 ( 2 ) ( A ) & ( 10 ) : Misrepresentation of ownership and validity FDCPA 808 : Unfair practices FCRA 605B : Failure to block disputed fraudulent accounts REQUESTED CFPB ACTION : Cease and desist all collection efforts by LVNV and Resurgent Capital Require deletion of all credit reporting on this unvalidated debt Order the account closed and marked " Unable to Validate Closed '' Prevent sale or transfer of this debt to other collectors Investigate LVNVs systemic failure to comply with validation requirements Impose regulatory and financial penalties for willful violations IMPACT : The continued reporting and collection of this invalid, potentially fraudulent debt has resulted in : Damage to my credit score Emotional distress and financial XXXX  Time and cost to defend myself from a debt that can not be proven ATTACHMENTS TO BE UPLOADED : Original validation request letter LVNV 's insufficient response XXXX  and XXXX data breach documentation Credit reports showing ongoing reporting Affidavit of Identity Theft ( pending ) I request urgent CFPB intervention. This company has shown disregard for federal law, my personal identity protections, and continues to harm me without lawful justification.

Company response to consumer: Closed with explanation