Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
b'Complaint Letter to CFPB  LVNV Funding LLC / XXXX XXXX XXXXIncludes FCRA 609(a)(1)(A) Request for Original Documentation)\n\nDate: XXXXnConsumer Financial Protection Bureau\XXXX XXXX XXXXWashington, DC XXXXSubject: Formal Complaint Against LVNV Funding LLC for Inaccurate Reporting & Failure to Provide Documentation  FCRA 609(a)(1)(A)\n\nTo Whom It May Concern,\n\nI am filing this formal complaint regarding an alleged collection account reported by LVNV Funding LLC related to a supposed XXXX XXXX XXXX account (Account No.: XXXX XXXX XXXX XXXX). I dispute the validity, accuracy, and legality of this account being furnished on my credit reports.\n\n1. This Is Not My Account\n\nI am asserting that this debt does not belong to me, and I have repeatedly disputed the validity of this account with both the credit bureaus and the furnisher. Despite numerous disputes, the account continues to be reported, causing ongoing harm.\n\n2. Continued Inaccurate Reporting\n\nDespite multiple written disputes on the following dates:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLVNV Funding LLC continues to:\n\nReport an account that is not mine\n\nReport inaccurate and unverified information\n\nFail to conduct a proper investigation\n\nVerify the account without providing any physical proof\n\nFail to remove the account despite lack of evidence\n\nThis is a clear violation of the Fair Credit Reporting Act, specifically the requirement to conduct a reasonable reinvestigation under FCRA 611.\n\n3. Violation of FCRA 609(a)(1)(A)  Failure to Provide Original Documentation\n\nPursuant to FCRA 609(a)(1)(A), I formally requested disclosure of all information in my credit file relating to this alleged debt, including:\n\nThe original signed contract or application bearing my signature\n\nAny physical proof that I opened or authorized this account\n\nThe full chain of custody/assignment from the original creditor\n\nAll documentation used to verify this account\n\nAll internal records, notes, and data associated with this account\n\nTo date, neither LVNV Funding LLC nor the credit bureaus have provided any such documentation, particularly no signed contract, which is legally required to substantiate ownership or responsibility for the alleged debt.\n\nWithout a valid contract containing my signature, this account cannot be verified and must be removed immediately.\n\n4. Harm Suffered\n\nThe continued reporting of an account that is not mine has caused:\n\nA significant reduction in my credit score\n\nDenial and/or unfavorable terms of credit\n\nEmotional and financial stress\n\nDamage to my financial reputation\n\n5. Requested CFPB Action\n\nI respectfully request that the CFPB:\n\nInvestigate LVNV Funding LLC for inaccurate reporting and failure to verify the debt\n\nRequire them to produce the original signed contract as required under FCRA 609(a)(1)(A)\n\nOrder immediate removal of the account if they cannot produce proper documentation\n\nReview whether LVNV is violating the FCRA and/or FDCPA\n\nEnsure corrective actions and sanctions if necessary\n\nThank you for your assistance. I request written confirmation of your investigation and resolution.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation