Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is to formally request CFPB intervention in accomplishing the immediate removal of the erroneous negative reporting by LVNV Funding on both my credit report and that of my spouse. 

These entries pertain to debt originally held with XXXX XXXX XXXX, which we have diligently disputed since XXXX. 

We have a long and documented history of XXXX XXXX XXXX 's financially abusive and potentially illegal practices related to these accounts. 

Firstly, both accounts are well beyond the statute of limitations for debt collection. Originating in XXXX, a decade ago, without any subsequent activity, these debts are time barred under XXXX  law, which typically sets a XXXX ( XXXX ) year limit for credit card debt collection ( XXXX  XXXX of XXXX XXXX XXXX ). Furthermore, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ( a ) ( 4 ) and ( 5 ) ) explicitly prohibits credit reporting agencies from reporting accounts placed for collection or other adverse information that antedates the report by more than XXXX ( XXXX ) years. The negative information related to these accounts is clearly obsolete under federal law.

LVNV Funding 's continued reporting of this obsolete information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) and their duty as a furnisher of information to provide accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). They are obligated to ensure the information they furnish is not inaccurate.

Additionally, we have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX 's unlawful account practices related to these very accounts : * XX/XX/XXXX, Claim # XXXX * XX/XX/XXXX, Claim # XXXX * XX/XX/XXXX, Claim # XXXX * XX/XX/XXXX, Claim # XXXX Each of these complaints resulted in XXXX XXXX XXXX reversing erroneously charged fees and temporarily reinstating our online account access, which they had previously blocked. 

This denial of access to our online account, our sole method of managing our paperless banking, further demonstrates XXXX XXXX 's unfair practices. They would repeatedly restrict our access and then restore it for brief periods following CFPB intervention. 

The original principle balances for these accounts were paid in full over XXXX ( XXXX ) years ago. The outstanding amounts LVNV Funding claims we owe consist solely of XXXX XXXX XXXX  's egregious and likely illegal fees. 

Attempting to collect on a debt that is clearly time barred and misrepresenting its legal enforceability could also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), specifically the prohibition against false or misleading representations concerning the legal status of a debt. 

In conclusion, these accounts are not only subject to XXXX XXXX 's repeated violations of fair trade laws but have also far surpassed all legal enforcement and reporting periods under both XXXX  and federal law. Any attempt to collect on these time barred debts and their continued negative reporting are unlawful and causing ongoing damage to our creditworthiness.

Company response to consumer: Closed with explanation