Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting multiple derogatory collection accounts on my credit reports that I do not own, do not recognize, and never authorized. These entries have different balances, different dates, appear multiple times across different credit bureaus, and are inconsistent with my credit history. I have filed an FTC Identity Theft Report because these accounts are fraudulent, and I am requesting full investigation and removal. 

The accounts being reported by LVNV Funding LLC include several separate entries across the credit bureaus. They are reported with different balances such as {$590.00}, {$780.00}, {$1000.00}, {$2500.00}, and multiple others. Some of these accounts appear on XXXX  only, some on XXXX  only, and some appear duplicated. These accounts do not belong to me. I have never opened an account that was later purchased or owned by LVNV Funding LLC. I have never received any communication, notice, or documentation from them. I have never been contacted by LVNV regarding any valid debt, and I have not been provided with proof, validation, or contract documentation supporting the legal existence of these alleged debts. 

The fact that LVNV Funding LLC is reporting multiple different accounts with different balances and dates, combined with the fact that none of them belong to me, strongly suggests either identity theft, mixed-file reporting, or inaccurate assignment. Because of the severity of the issue and the number of accounts involved, I filed a formal FTC Identity Theft Report, documenting that these accounts were not opened by me. 

The credit bureaus continue to report the LVNV Funding accounts even after I disputed them. I submitted disputes to XXXX XXXX XXXX XXXX, explaining that I do not own any of the accounts associated with LVNV Funding LLC. I requested validation, contractual documentation, the original creditor information, assignment records, purchase agreements, and verified account histories. I also requested the Method of Verification, which is my right under FCRA 611 ( a ) ( 6 ). None of this information was provided.

Instead, the credit bureaus sent automated responses claiming the accounts were verified, without explaining how they were verified or whether any documents were actually reviewed. I was not shown : Signed contracts Original documentation Proof of account ownership Copy of any application Proof of assignment from the original creditor Billing statements Payment history Itemized charges Chain-of-custody documentation Any validation of the alleged debts LVNV Funding has never provided any of these items. Without validation, the accounts can not legally be reported.

The number of accounts and inconsistencies also raise concerns. For example : LVNV is reporting duplicate accounts with the same balance on different bureaus.

LVNV is reporting different balances for accounts with similar numbers.

LVNV is reporting accounts that supposedly closed on the exact same date.

LVNV lists conflicting past due amounts.

LVNV lists accounts under similar account numbers but with differing details.

LVNV sometimes reports a past due amount even when the account is shown as closed.

These patterns are not consistent with legitimate credit reporting. They are consistent with identity theft, file merging errors, or reckless data furnishing practices.

Because I knew these accounts were not mine, I took the legal step of filing an FTC Identity Theft Report, which is an official sworn statement confirming that fraudulent activity occurred. Under FCRA 605B, once a consumer submits an identity theft report, the credit bureaus must block the information within four business days. That did not happen. These fraudulent LVNV Funding accounts continued to appear on my reports even after the identity theft filing. 

This failure to block is a violation of the FCRA. The law is clear : fraudulent information identified via an FTC report can not be continued to be reported. Continuing to report identity-theft accounts is unlawful. 

I also contacted the credit bureaus and indicated that I suspected identity theft. I asked them to remove the fraudulent accounts. Instead of doing so, they verified them without providing any documentation. This shows that the credit bureaus did not conduct a real investigation. A real investigation under FCRA 611 ( a ) requires : Reviewing all relevant documentation Communicating with the furnisher Examining the consumers evidence Comparing identifying information Ensuring accuracy Providing detailed verification results None of these steps appear to have occurred. 

Instead, it appears the credit bureaus relied solely on LVNV Funding LLCs automated e-Oscar response. Furnishers often respond with a code instead of actual documentation. This violates the consumers right to reasonable reinvestigation. Because LVNV Funding LLC is a debt buyer, not the original creditor, they must have : Proof of purchase Assignment documentation Chain-of-title documentation Validation records Original account files Debt buyers often lack the documentation necessary to validate accounts, especially if they purchased bulk portfolios. This is why documentation is crucial in identity theft cases. LVNV Funding LLC did not produce any of these materials. 

Furthermore, under the FDCPA, a company collecting debts must provide validation upon request. LVNV Funding LLC did not provide validation. They did not provide : A validation notice Proof that the debt belongs to me Proof they have the right to collect Any required disclosures Without validation, LVNV Funding LLC does not have a legal basis to furnish or collect on these accounts. 

Because these accounts are fraudulent, I have suffered real harm. LVNV Funding is reporting charge-offs and collections that are : Not mine Unsupported Documented incorrectly Unvalidated Duplicated Misreported on multiple bureaus These fraudulent accounts have significantly damaged my credit score. They affect my ability to : Obtain loans Secure credit cards Qualify for housing Receive favorable interest rates Access financial products Maintain financial stability The presence of multiple false collection accounts from the same company creates a misleading appearance of significant delinquency. This is not only harmfulit is false. 

A consumers credit file must be accurate. Reporting fraudulent accounts violates the FCRA at multiple levels : 602A Maximum Possible Accuracy Requirement 607 ( b ) Reasonable Procedures to Ensure Accuracy 611 Failure to Conduct Real Reinvestigation 609 Failure to Provide Requested Information 605B Failure to Block Identity Theft Information LVNV Funding LLC also appears to have violated FDCPA provisions regarding : Reporting false information Failing to validate debts Attempting to collect without proof A fair investigation requires that LVNV Funding produce documentation. They can not produce it because the accounts are not mine. If LVNV Funding can not produce : Contracts Statements Signed applications Account origination documents Assignment contracts Payment records Then the accounts must be deleted under federal law. 

I am submitting this CFPB complaint because the furnisher and the credit bureaus have failed to take corrective action despite being notified multiple times and despite the FTC identity theft filing. I have followed every legal step available to me. I : Disputed the accounts Requested validation Requested the Method of Verification Filed an FTC identity theft report Informed the bureaus of fraud Requested blocking under 605B However, the fraudulent LVNV Funding entries continue to harm me. 

These accounts are not mine. LVNV Funding has provided no proof that I opened them. The credit bureaus have failed to provide verification. The accounts continue to appear without legal basis. I am requesting CFPB intervention to compel the removal of these fraudulent accounts and ensure compliance with federal law. 

LVNV Funding LLC must not be allowed to continue reporting fraudulent information, especially when they have not produced documentation proving ownership. The companies involved must be required to delete these entries permanently, block them under identity theft provisions, notify all bureaus, and ensure the accounts can not be reinserted. 

These accounts have caused significant financial injury, mental stress, and unnecessary hardship. They have made it difficult to maintain a stable financial standing. They have interfered with credit applications and opportunities. They falsely represent my payment history and financial profile. 

This CFPB complaint is necessary because the normal dispute channels failed to protect my rights. I am requesting the CFPBs assistance in ensuring that LVNV Funding LLC and the credit bureaus remove these fraudulent accounts immediately and permanently. 

I do not own these accounts. They are fraudulent. I filed an FTC identity theft report. The accounts must be deleted.

Company response to consumer: Closed with non-monetary relief