Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am formally disputing the above-referenced accounts reported by LVNV Funding LLC on my credit report. Despite submitting multiple disputes and requests for validation over the past several months, LVNV Funding LLC has failed to provide verification of these debts within the legally mandated 30-day timeframe. Under the Fair Credit Reporting Act ( FCRA ), if a creditor can not validate a disputed account within 30 days, the account must be deleted. 

The following reporting errors and discrepancies are grounds for immediate deletion of these accounts from my credit report. 

Errors Identified Inconsistent Account Status XXXX reports both accounts as Open, while XXXX reports them as Closed with a Collection/Chargeoff status. 
Error : These conflicting statuses indicate a failure to ensure accurate reporting. 
Violation : FCRA 607 ( b ) Obligation to ensure maximum possible accuracy. 
Illogical Reporting Dates Both accounts have a Start Date listed as XX/XX/year>, which is a future date and factually impossible. 
Error : Reporting future dates is inaccurate and misleading. 
Violation : FCRA 607 ( b ) Inaccurate reporting of dates. 
Balance and High Balance Discrepancies Account XXXX : ** XXXX XXXX Balance {$1300.00}, High Balance {$980.00} XXXX : Balance {$1300.00}, High Balance {$0.00} Account XXXX : ** XXXX : XXXX {$700.00}, High Balance {$700.00} XXXX : Balance {$700.00}, High Balance {$0.00} Error : The balances and high balances reported are inconsistent and contradictory. 
Violation : FCRA 607 ( b ) Failure to maintain consistent and accurate information. 
Failure to Validate Debt Despite multiple disputes, LVNV Funding LLC has not provided documentation to validate these debts. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must investigate and verify disputed information within 30 days. 
Reporting as an Open Account Instead of a Collection Collections are being reported as Open Accounts rather than collection accounts. 
Error : Misclassification of collection accounts misrepresents my financial status. 
Violation : FCRA 623 ( a ) ( 1 ) Providing false or misleading information.

Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must verify disputed information within 30 days. LVNV Funding LLC has not done so.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If a creditor can not verify the information within 30 days, the information must be deleted. LVNV Funding LLC has failed to comply. 
Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Credit reporting agencies and furnishers must ensure the accuracy of reported information. The inconsistencies in balances, account statuses, and reporting dates violate this requirement. 
Misrepresentation of Account Type Violation : FCRA 623 ( a ) ( 1 ) Reporting a collection account as an open account constitutes misleading information.

Company response to consumer: Closed with explanation