Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent/LVNV Funding and its affiliate, Resurgent Capital Services is violating the FDCPA, by using misleading tactics & failing to provide proper documentation -- This is what they are doing to me. They have reported three separate accounts to the credit bureaus. Courts have determined passive debt buyers like Resurgent/ LVNV fall under the FDCPA 's definition of " debt collector. Resurgent/LVNV Funding is claiming I owe them ( {$1000.00} for XXXX XXXX XXXX -- partial account number : XXXX ), ( {$870.00} for XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- Partial account number : XXXX ) and ( {$580.00} for Original Creditor XXXX XXXX. XXXX XXXX XXXX -- Partial account number for this as : # XXXX ). Resurgent has not communicated if or when they bought the debt from the above mentioned. Ive asked if the debt was transferred and how. Ive received no response. Resurgent/ LVNV Funding is required to provide evidence that it was a legal ownership transfer. In XXXX vs Resurgent/LVNV Funding this case involved allegations that Resurgent LVNV Funding failed to provide proof of a debt and continued to contact the plaintiff after he requested they cease communication. This is the same thing they are doing to me. If they are the third party debt collector, they have NOT been reporting the debt properly to the bureaus. The XXXX is past 180 days yet on the XXXX report it doesnt have this debt listed as a charge off. Resurgent/LVNV Funding has it listed as a collection. So either them or XXXX made this mistake. 

XXXX XXXX LVNV Funding, XXXX XXXX LVNV Funding, XXXX, Case No. XXXX. This is a Fair Debt Collection Practices Act ( FDCPA ) violation for unfair debt collection practices. There are so many cases that show a history that they are a corrupt company such as : XXXX XXXX XXXX Resurgent/LVNV Funding, XXXX XXXX Resurgent/LVNV Funding, XXXX XXXX Resurgent and so many more. Im not liable for the debt. I dont have a contract w/ Resurgent. If the debt has been sold by the original creditor, Resurgent needs a purchase agreement showing how the debt was transferred. Ive asked them to provide it they wont. If resold multiple times, Resurgent needs to provide documentation showing the chain of ownership from the original creditor. Resurgent needs to provide account statements showing the debt amount, including all charges, payments, and interest.They have failed to provide any of this evidence. They show no evidence linking them to the original creditor.

They have not proved they are the purchaser. Im concerned that they have not provided me with the original contract. They have not provided me anything. 
Lack of Documentation makes this invalid. They should stop reporting to the bureaus immediately. They should tell the bureaus to remove this listing from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX  website shows a high volume of customer complaints against Resurgent/ LVNV Funding XXXX totaling XXXX in the last XXXX years, with XXXX complaints closed in the last 12 months. Common complaints include billing issues and allegations of unlawful collection practices. 
Consumer Financial Protection Bureau ( CFPB ) complaint database also reflects thousands of complaints against Resurgent/ LVNV Funding. 
They offer no evidence or documentation of purchase of the debt. I have no relationship with them. They know I have an attorney. 
To purchase a debt they need a copy of the original agreement, documentation showing the debt 's transfer, and a detailed history of payments and charges. They also need to provide evidence of their ownership of the debt, which may include a purchase agreement or a chain of ownership if the debt was resold. 

They have not provided any of the above mentioned items to me. They should cease collection activities. My income is from an exempt income source. My attorney stated that in the cease and desist letter that they claimed to have read. The Cease and Desist from a bar certified lawyer indicated that Ive retained an attorney. 

The CFPB has confirmed that Resurgent/LVNV Funding uses deceptive practices, such as misleading representations about their ability to provide documentation, to collect debts. 

Resurgent has faced multiple Class Action Lawsuits.

1.False Claims & Misleading Representations : Multiple lawsuits attest that Resurgent makes false or misleading statements to consumers about their debts, the consequences of non-payment, or their legal rights.

2. Harassing Phone Calls : Consumers have filed lawsuits alleging that Resurgent engages in harassing phone calls, sometimes using autodialers in violation of the Telephone Consumer Protection Act ( TCPA ). 

3.FDCPA Violations : Resurgent LVNV Funding has been sued multiple times for alleged violations of the Fair Debt Collection Practices Act ( FDCPA ).

4.Consumers have accused Resurgent/ LVNV Funding of inaccurately reporting debt information to credit bureaus and misleading them regarding the statute of limitations on debts. 

There are multiple allegations & issues regarding this company. 

Maryland Fined Resurgent/ LVNV Funding were fined {$1.00} XXXX by the Maryland State licensing board for filing false and misleading affidavits and complaints while operating without a license.

Zombie Debt : Resurgent has been criticized for buying and attempting to collect " zombie debt '' debts that are old, often lacking proper documentation, and beyond the statute of limitations. Resurgent has been accused of attempting to collect debts without adequately verifying their validity. There have been numerous allegations that Resurgent used robo-signed court documents, which lack proper verification and lead to flawed lawsuits. 
My attorney is curious about how much they have paid out in damages in regards to the different people they have harmed.

Company response to consumer: Closed with non-monetary relief