Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC because they are persistently reporting unverifiable, incomplete, and potentially re-aged debt information to all three major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX causing significant financial harm, including the recent denial of a loan. 

My credit reports dated XX/XX/2025, show two collection accounts from LVNV Funding LLC ( Account # XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Both accounts consistently show outstanding balances but no history of payments, terms, or contact data. They appear to be stale debt with no verifiable activity. My reports also include narrative codes indicating 'Account information disputed by consumer ( FCRA ), ' yet they continue to be reported as collections. 

In XX/XX/2025 ( please insert the exact date of your letter if you have it ), I sent a formal Debt Validation Request to LVNV Funding LLC regarding account # XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX. - Account # XXXX ), which is associated with the LVNV accounts on my credit report. In this letter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1692g, I formally requested crucial documentation to validate the debt, including : A copy of the original signed contract or agreement with XXXX XXXX XXXX XXXX, bearing my signature. 

A complete payment history of the account from XXXX XXXX XXXX XXXX 

A copy of the assignment contract or other legal document demonstrating that LVNV Funding LLC has the legal right to collect this debt. 

LVNV Funding LLC 's license to collect debts in California. 

I also requested that they cease all collection activities, including credit reporting, until validation was provided. I explicitly stated that if the debt could not be validated, it must be removed from my credit report. I furthermore invoked my right to arbitration for this matter and requested validation for any other debts LVNV Funding LLC and/or XXXX XXXX XXXX might be attempting to collect from me.

Despite sending this formal Debt Validation Request, LVNV Funding LLC has failed to provide the requested validation, and these accounts continue to be reported on my credit file. Their continued reporting of these accounts as collections, despite my explicit consumer disputes and unanswered debt validation request, indicates that these disputes remain unresolved and that they are failing to adequately verify the underlying debt as required by the FCRA. The persistent presence of these unverified collection accounts caused me demonstrable financial harm, as I was recently denied a loan due to their negative impact. 

On XX/XX/2025, I also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these ongoing credit reporting errors, including these LVNV Funding accounts. Despite that formal complaint and my direct debt validation request, the inaccurate and unverified collection accounts persist on my credit reports.

Due to LVNV Funding LLC 's persistent failure to rectify these critical errors, provide validation, and remove these unverified debts, even after my direct validation request and a prior CFPB complaint, I am also escalating this matter to the California Attorney General for remedy.

Company response to consumer: Closed with explanation