Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint due to serious, ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F by XXXX XXXX XXXX My credit reports, dated XX/XX/XXXX, contain multiple inaccuracies, duplicated tradelines, unverifiable third-party debt entries, outdated personal information, and possibly re-aged accounts. Despite my previous good-faith disputes in XXXX and again in XXXX, the bureaus have failed to appropriately investigate or correct the errors. 
XXXX XXXX XXXX XXXX XXXX LVNV Funding Duplicate Reporting : Both XXXX XXXX XXXX  report a charged-off account from XXXX XXXX XXXX as well as a separate collection from LVNV Funding/Resurgent Capital for the same debt. No chain of custody or legal transfer documentation has been provided. This double reporting for a single obligation falsely inflates my debt load, lowers my score, and violates FCRA 604 ( b ) and 611 ( a ).

2. Lack of Debt Validation by LVNV/Resurgent : I have requested full debt validation under FDCPA 809 ( b ) and Regulation F, but have never received the original contract, itemized statements, or proof of assignment. TransUnion reports this debt without supporting documents, which is unlawful. 
XXXX. XXXX XXXX XXXX XXXX Re-Aging & Conflicting Data : I am being reported for two charge-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX ) with different dates and conflicting histories. One of these accounts was previously disputed in XX/XX/XXXX, yet no correction was made. These accounts may have been re-aged to appear more recent, a direct violation of FCRA XXXX ( a ) ( XXXX ). 
XXXX. XXXX / XXXX Over-Limit and Negative History : Both bureaus report a {$2100.00} balance on a {$930.00} limit from XXXX. This 233 % utilization is inconsistent with my records and suggests excessive and inaccurate reporting. Additionally, the 150+ day late markers appear punitive and likely inflated. I have paid down part of the balance, but the updates have not been reflected. 
5. Inaccurate Personal Data : Both bureaus continue to report outdated addresses and past employers no longer associated with any open accounts. These errors may contribute to mislinked or fraudulent data, and I have requested their removal under FCRA 609 ( a ) ( 1 ).

These issues have caused measurable harm to my financial standing. I have been denied housing opportunities, incurred higher loan rates, and experienced reputational damage. As a XXXX XXXX veteran and XXXX XXXX XXXX XXXXXXXX XXXX, my credit status is essential to my career, education, and community work. The inaction by XXXX XXXX XXXX, despite multiple disputes, constitutes willful negligence or reckless disregard under federal law. 

I am requesting that the CFPB initiate a formal investigation into these reporting practices, enforce a complete reinvestigation under FCRA 611 ( a ), and ensure deletion or correction of all unverifiable, inaccurate, or duplicative entries. I am prepared to submit full documentation and sworn statements. 


Dear CFPB Representative, I am filing a formal complaint regarding multiple violations of federal and state consumer protection laws by XXXX XXXX XXXX, based on their failure to maintain accurate, complete, and non-duplicative information in my consumer credit files. I am requesting your immediate regulatory oversight and assistance in resolving the following disputes that stem from the bureaus ' reporting of inaccurate, unverifiable, duplicative, and potentially illegally re-aged debt accounts. 

I am a doctoral candidate in XXXX XXXX, a XXXX XXXX veteran, and a longtime advocate for economic and educational equity. As a consumer well-versed in my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( 12 CFR 1006 ), and Californias Civil Code, I am exercising my right to a fair, accurate, and fully verifiable credit report. 

Legal Grounds for Dispute : Under the FCRA and FDCPA, consumers have the right to : - Dispute inaccurate or unverifiable entries ( FCRA 611 ( a ) ) ; - Demand written debt validation from third-party collectors ( FDCPA 809 ( b ) ) ; - Remove outdated or re-aged debts ( FCRA 605 ( a ) ) ; - Avoid duplicative derogatory reporting ( FCRA 604 ( b ) ) ; - Correct or suppress incorrect personal identifiers used to link unauthorized accounts. 

Despite initiating good-faith investigations, both XXXX XXXX XXXX have failed to correct or verify multiple disputed entries on my reports dated XX/XX/XXXX. This failure directly affects my ability to secure housing, professional opportunities, and educational advancementviolating the spirit and letter of the laws listed above. 

Specific Disputed Entries & Violations : 1. Duplicate Reporting of Charged-Off Credit Card ( XXXX XXXX XXXX XXXX LVNV ) - XXXX XXXX XXXX both report the same charged-off debt under : - XXXX XXXX XXXX XXXX Original Lender ) - LVNV FUNDING / RESURGENT CAPITAL ( Debt Buyer/Collector ) - Legal violation : Duplicate derogatory listing artificially inflates my debt load and damages my credit standing. 
- Request : One of these entries must be suppressed or removed in accordance with FCRA 605 and FTC guidance on duplicate tradelines.

2. Failure to Validate Debt ( LVNV FUNDING / RESURGENT CAPITAL ) - Balance discrepancy : XXXX XXXX {$2200.00}, while XXXX  lists differing data. 
- No validation received under FDCPA 809 ( b ) and Regulation F.

- Issue : I have never received a full validation package including : - Original signed agreement ; - Full chain of title from original creditor ; - Itemized ledger. 
- Request : Immediate deletion if validation is not produced. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Re-Aging & Misreporting - Both bureaus list two charge-off accounts from XXXX with conflicting histories. 
- One account was disputed in XX/XX/XXXX, yet remains unchanged. 
- Possible re-aging to make debts appear more recent than they are. 
- Violation : FCRA 605 ( a ) ( 4 ), prohibits re-aged accounts past 7 years. 
- Request : Remove both if accounts can not be independently verified and dated. 

XXXX. XXXX / XXXX Inaccurate Utilization and Payment History - Reported balance of {$2100.00} on a {$930.00} credit limit, with 150+ days late. 
- This over-limit reporting and late markers appear excessively punitive and possibly inflated. 
- Request : Provide verification or correct balance and late payment history. 

Personal Data & Identity Concerns : - Several outdated addresses and incorrect employer records remain on file. 
- These identifiers have been used to link and verify erroneous tradelines. 
- Request : Remove outdated personal data not directly linked to open, verified accounts.

Company response to consumer: Closed with explanation