Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX LVNV Funding LLC Care of Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute and Non-Compliance Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information related to my account ( Account Number : XXXX XXXX ) that has been reported to XXXX. Upon reviewing the details of this account, I have found multiple discrepancies and errors that I believe must be addressed immediately. Additionally, I am concerned about the non-compliance and negligence in your reporting under the Fair Credit Reporting Act ( FCRA ), specifically referencing 1681o. 
Discrepancies : 1. Reported Balance and Payment History : The reported balance of {$2400.00} and past due amount of {$2400.00} do not accurately reflect my payment history or the actual status of the account. As of the last reported date ( XX/XX/XXXX ), no payments are reflected in the " Actual Payment '' section for XXXX or XXXX, which is misleading and incorrect. I have maintained regular payment activity, and these payments should be reflected accordingly. 
2. Account Status : The account is incorrectly listed as being in collections, and the amount is shown as overdue for the entire period. I dispute this and ask that you provide the correct payment history or statements indicating the account 's status. It appears that the account is not being reported accurately, which could be impacting my credit report inappropriately. 
3. Delinquency Dates and Reported Timeline : The account is listed with a first delinquency date of XX/XX/XXXX, which I also dispute. The accurate date of first delinquency should be reconsidered, and this should be reviewed for any inconsistencies in reporting. The " Payment History '' section also shows a " C '' for the year XXXX without explanation, which is misleading and needs to be clarified. 
Non-Compliance and Negligence : Under the Fair Credit Reporting Act, you are required to ensure that the information you report is accurate and complete. The inaccuracies in your reporting are a direct violation of FCRA 1681o, which holds furnishers of credit information accountable for reporting erroneous details. Specifically, the failure to reflect accurate payment history and account status shows negligence in the handling of this account, and as such, I request an immediate investigation and rectification of these errors. 
Furthermore, you have not provided the correct historical data, including the scheduled payments and actual payments, which has left my credit report incomplete and misleading. This represents a significant failure on your part to comply with the FCRAs requirements. 
Request for Immediate Action : Given the errors mentioned, I request the following actions : 1. A full investigation into the reported account details. 
2. Immediate correction of the account balance, payment history, and past due status. 
3. A revised report sent to all credit bureaus, ensuring that my credit report reflects the accurate status of this account. 
4. Written confirmation that these corrections have been made. 
If this matter is not resolved promptly and in compliance with the FCRA, I will be forced to consider further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking other remedies for damages caused by this inaccurate reporting. 
Please acknowledge receipt of this dispute and inform me of the steps you will take to resolve it. I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX XXXX [ Your Account Number : XXXX XXXX ]

Company response to consumer: Closed with explanation