Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against LVNV Funding LLC Continued Inaccurate Credit Reporting Following Dismissed Legal Actions To Whom It May Concern : I am submitting this formal complaint against LVNV Funding LLC regarding multiple accounts they are reporting on my credit profile that are inaccurate, misleading, and in direct violation of federal law. LVNV Funding LLC is currently repo rting FOUR separate collection accounts on my credit reports. These accounts are being reported as active collection and/or charge-off accounts with outstanding balances. Attached hereto as Exhibit A and Exhibit B are official court records confirming the dismissal of lawsuits filed by LVNV Funding LLC related to these alleged debts. Additionally, attached as Exhibit C are excerpts from my credit report showing that LVNV Funding LLC continues to report these same accounts as active and valid collection accounts despite the dismissal of the associated legal actions. This creates a direct and material contradiction. LVNV Funding LLC has either been unable or unwilling to substantiate these alleged debts in a court of law, yet continues to represent them as valid, enforceable obligations to the credit reporting agencies. I have made numerous attempts to dispute these accounts directly with LVNV Funding LLC and through the credit bureaus. Despite these efforts, LVNV has failed to conduct a reasonable investigation and has continued reporting inaccurate and damaging information. This conduct constitutes clear violations of the Fair Credit Reporting Act ( F CRA ), including but not limited to : Failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) Failure to conduct a reasonable investigation after dispute under 15 U.S.C. 1681s-2 ( b ) Additionally, LVNV Funding LLCs continued reporting of accounts tied to dismissed leg al actions constitutes deceptive, misleading, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. By continuing to report these accounts after dismissal and after repeated disputes, LVNV Funding LLC is knowingly furnishing inaccurate and misleading information to the credit bureaus, causing ongoing harm to my creditworthiness and financial standing. This reflects a pattern of negligent or willful noncompliance with federal consumer protection laws. I demand the following : 1. Immediate deletion of ALL LVNV Funding LLC accounts from XXXX XXXX XXXX XXXX ; 2. A full investigation into LVNV Funding LLCs reporting practices ; 3. Written confirmation that these accounts have been permanently removed ; XXXX. Documentation supporting any claim that these accounts remain legally valid following dismissal of associated lawsuits. If these issues are not corrected immediately, I am prepared to pursue all available legal remedies, including filing additional regulatory complaints and initiating civil litigation for violations of federal law. For identification purposes : Last four of SSN : XXXX XXXX : XX/XX/year> I am available to provide additional identifying information through secure channels if necessary. I expect a prompt and thorough response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attachments : Exhibit A Court Dismissal Document Exhibit B Court Dismissal Document Exhibit C Credit Report Excerpts Showing LVNV Funding Accounts

Company response to consumer: Closed with explanation