Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding LLC due to their unlawful and harmful debt collection and credit reporting practices. Specifically, LVNV Funding LLC has engaged in the following violations : Failure to Provide Required Validation Information [ 12 CFR 1006.34 ( b ) ( 5 ) ] : LVNV Funding LLC has placed a collection account on my consumer report without ever providing me with the validation information mandated under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any initial communication from this company that included the specific information required by this regulation. 

Denial of Opportunity to Dispute Account [ 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ] : Contrary to the requirements of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I was not afforded the opportunity to dispute the alleged debt before LVNV Funding LLC furnished information about this account to one or more consumer reporting agencies. This denial of my right to dispute has caused undue harm to my credit standing. 

False, Misleading, Misrepresentative, and Deceptive Means of Collection : By reporting an unvalidated debt and failing to provide me with the opportunity to dispute it, LVNV Funding LLC is employing false, misleading, misrepresentative, and deceptive means in an attempt to collect this alleged debt. These actions violate my fundamental consumer rights. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies [ 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ] : LVNV Funding LLC lacks the legal authority to furnish any information regarding this account to consumer reporting agencies without first providing all disclosures and adhering to the procedures mandated by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act, which clearly outlines the obligations of furnishers of information. 

Desired Outcome : I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate the practices of LVNV Funding LLC. I urge the CFPB to take swift and decisive action to ensure that LVNV Funding LLC adheres to all applicable federal laws and regulations. To rectify the harm caused by their unlawful actions, I request that LVNV Funding LLC be ordered to : Immediately cease all collection efforts related to this debt until they can provide proper and complete validation as required by law. 
Take immediate steps to have the inaccurate and unvalidated collection account removed from all my consumer reports with all consumer reporting agencies they have reported to. 
Provide a copy of the complete purchase and sale agreement between LVNV Funding LLC and the original creditor for this specific debt. This documentation is necessary to verify their legal right to collect on this account. 
Provide proof that LVNV Funding LLC is properly licensed and bonded to operate as a debt collector in my state ( Alabama ) and any other relevant jurisdictions. 
Implement policies and procedures that ensure full compliance with 12 CFR Part 1006 and the Fair Credit Reporting Act in all their future debt collection and credit reporting activities.

Company response to consumer: Closed with explanation