Consumer complaint received 2025-11-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Subject : Formal Fraud Dispute Unauthorized Account Reporting by LVNV Funding LLC / Resurgent Capital Services Under 15 U.S.C. 1681c-2 and 1681i ( a ) Dear XXXX XXXX XXXX , This letter is a formal fraud and identity theft dispute regarding the following account reported on my XXXX  credit file. I have no knowledge, association, or authorization of this account, and it must be immediately deleted under the Fair Credit Reporting Act ( FCRA ). 

Account Information Being Disputed as Fraudulent Creditor Name : LVNV Funding LLC ( Care of Resurgent Capital Services L.P. ) Address : XXXX XXXXXXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Account Number : XXXX XXXX Reported Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Collection / Charge-Off ( Closed ) Date of First Delinquency : XX/XX/XXXX Narrative Codes : XXXX Consumer Disputes Information ; XXXX Collection Account ; XXXX Consumer Disputes Reinvestigation in Process Statement of Facts I hereby state under penalty of perjury that : 1. I never applied for, opened, authorized, or benefited from any account with LVNV Funding LLC, Resurgent Capital Services, or any associated company. 
2. This account was not created or authorized by me, nor is it a result of any transaction in which I participated. 
3. I believe the account may have been fraudulently opened or erroneously assigned to my consumer file due to identity theft or reporting error. 

Legal Basis and Required Action Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block and delete all information identified by the consumer as resulting from identity theft within four ( 4 ) business days of receiving : 1. Proper identification, 2. A copy of an identity theft report or written statement, and 3. The consumers written request for blocking or deletion. 

Additionally, under 15 U.S.C. 1681i ( a ), XXXX  must conduct a reasonable reinvestigation of this disputed account and remove any unverifiable or fraudulent data. 

Therefore, I am demanding that XXXX  : Immediately block and delete all data related to this account from my consumer report ; Cease reporting or sharing this account with any third parties ; Provide written confirmation of the deletion within 30 days of receipt of this letter ; and Identify the name, address, and telephone number of any furnisher contacted during your investigation. 

Notice to Furnisher ( LVNV / Resurgent ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a data furnisher may not furnish information it knows or has reasonable cause to believe is inaccurate. If LVNV or Resurgent can not produce verified proof of identity and contract signature, they are legally required to cease furnishing this account to any credit reporting agency. 

Failure to comply constitutes willful non-compliance under 15 U.S.C. 1681n, making both the bureau and the furnisher subject to statutory and punitive damages, actual damages, and attorneys fees. 

Affidavit of No Knowledge I, XXXX XXXX, declare that I have no knowledge of, nor did I authorize, any account or credit obligation with LVNV Funding LLC or Resurgent Capital Services. This account is fraudulent, and I demand its immediate and permanent removal from my XXXX  consumer file. 

Enclosures : Copy of Government-Issued ID ( Drivers License / State ID ) Copy of XXXX  Report Highlighting Fraudulent Account Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation