Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
LVNV Funding LLC is reporting a derogatory account with an alleged balance of {$520.00}. This account is under active dispute and has been the subject of prior complaints filed with the CFPB, the FTC, and the Arizona Department XXXX XXXX XXXX XXXX XXXX ( which is actively monitoring my LVNV case ). 

The CFPB previously closed my earlier XXXX complaint as a duplicate a move XXXX relied on to avoid addressing the violations. However, on XX/XX/year>, LVNV Funding LLC updated this account ( as shown in the attached XXXX XXXX screenshot ) without making any legitimate change to the balance, status, or other material information. This is new activity that occurred after the prior complaint was closed and therefore can not be considered a duplicate. The attempt to classify my prior complaint as the same matter was an effort by XXXX to dodge accountability despite ongoing violations. 

This XX/XX/XXXX last reported refresh artificially resets the Date Updated on my credit reports, making the derogatory appear more recent than it truly is. This practice prolongs the negative impact on my credit score and creditworthiness and is a bad-faith, harmful reporting tactic that violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Duty to provide accurate information. 
FCRA XXXX ( a ) ( XXXX ) Duty to not report disputed information without proper investigation. 
FCRA XXXX ( a ) ( XXXX ) Prohibition against re-aging accounts. 
FDCPA XXXX ( b ) Prohibition against continued collection without validation. 

This account is also serviced by Resurgent Capital Services, who has been the subject of a separate active CFPB complaint for the same harmful Date Updated reporting practices during an active dispute. As Resurgent acts as the servicer/agent for LVNV Funding LLC XXXX both entities are jointly responsible for these violations. My Resurgent complaint and evidence further support that this is a coordinated pattern of misconduct, not an isolated error. 

Despite multiple written disputes sent via certified mail, XXXX has failed to provide full legal validation of this alleged debt, including but not limited to : A signed contract or agreement bearing my signature. 
A complete payment history showing how the alleged balance was calculated. 
A full chain of title proving ownership and legal right to collect. 
Copies of any statements or original creditor documentation relied on for reporting. 

Without these documents, XXXX has no legal basis to continue reporting or collecting on this account. Their failure to provide proper validation while continuing harmful updates is a direct violation of the FDCPA and FCRA. 

XXXX recently sent me a XXXX validation letter that consisted largely of irrelevant filler and outdated documents. It did not include a signed contract, full payment history, chain of title, or any documentation proving their legal right to collect. This was not a legitimate validation and further demonstrates their bad-faith approach to my disputes. 

This is part of a pattern and practice of account refreshing during disputes, which I have documented across multiple furnishers. The Date Updated resets without any legitimate change serve no purpose other than to extend the life of a derogatory and inflict continued harm, a violation of the FCRAs duty to accurately report and to cease harmful reporting while an account is under dispute. 

If XXXX does not immediately remove this account, provide full legal validation including the signed contract and all supporting documentation, and cease all harmful reporting, I plan to pursue legal action for damages to the fullest extent allowed under state and federal law. 

Supporting evidence attached.

Company response to consumer: Closed with explanation