Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding LLC, a known junk debt buyer, for unlawfully reporting an alleged collection account that I had no prior knowledge of and for failing to comply with federal debt collection and credit reporting laws. 
I never received any written notice, dunning letter, notice of rights, or initial communication regarding this alleged debt before it was placed on my credit report. I do not recognize this account. I do not know what this alleged debt is for, who the original creditor is, or how LVNV claims to have acquired it. The absence of written notice is a direct violation of FDCPA 1692g ( a ), which requires a debt collector to provide written notice of the debt within five days of initial communication. 
Despite never providing written notice, LVNV has engaged in aggressive collection activity, including an excessive number of phone calls. Repeated calls without providing written validation constitute harassment and unfair collection practices under FDCPA 1692d and 1692f. 
I have filed complaints regarding this matter with the FTC and my state Attorney Generals office due to the seriousness of these violations. LVNV Funding has a well-documented history of consumer lawsuits, regulatory actions, and allegations involving the collection and reporting of unverified debts. Their conduct in this matter reflects a continued pattern of reckless disregard for consumer rights. 
Upon discovering this account on my credit report, I requested proper validation. To date, LVNV has provided no lawful validation. I am fully aware that validation requires far more than internal account notes, a balance statement, or a generic data sheet. Proper and lawful validation of an alleged debt includes all of the following : The original signed contract, application, or agreement bearing my signature. 
Complete billing and payment history from the original creditor. 
An itemized accounting of the alleged balance, including principal, interest, fees, penalties, and charges. 
Documentation showing the date of default. 
Documentation showing the date of charge-off, if applicable. 
Proof that the amount demanded matches the original creditors records. 
A complete chain of title demonstrating every sale, assignment, or transfer of the debt from the original creditor to LVNV Funding.

Proof that LVNV legally owns the debt and has the authority to collect. 
Documentation showing the alleged debt is within the applicable statute of limitations. 
Proof that the information furnished to the credit bureaus is complete, accurate, and verifiable. 
None of this documentation has been provided. 
Despite the lack of validation, LVNV continues to furnish this account to the credit bureaus as accurate. Furnishing a disputed and unverified debt violates FCRA 1681s-2 ( b ), which requires a reasonable investigation upon notice of dispute, and FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. XXXX XXXX reporting standards require data to be complete, consistent, and supported by documentationstandards that have not been met here. 
I am calling on the CFPB to hold LVNV Funding accountable for these violations. Using the credit reporting system as leverage to collect an unverified debt while failing to provide notice or validation is unlawful.

Company response to consumer: Closed with non-monetary relief