Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with XXXX XXXX XXXX furnishing standards and federal law. 

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data XXXX XXXX XXXX XXXX XXXX Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 

Creditors Name : LVNV FUNDING LLC Account Number : XXXX * * I am writing to dispute the reporting of the above-referenced account. This account is being furnished with inaccurate, duplicate, and unverifiable information, violating federal law and XXXX XXXX reporting requirements. The tradeline you are furnishing is misclassified and noncompliant with federal reporting laws. 

Specifically : The account is listed as both an XXXX Account and a XXXX Account, which is contradictory and inaccurate. 

Such misclassification violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2.

You are required by 15 U.S.C. 1681i to reinvestigate and correct or delete disputed data. 

XXXX XXXX mandates that account types, statuses, and conditions be reported consistently and accurately. 

Under 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), I demand that you immediately block and delete this account from all consumer reports.

Continued noncompliance will constitute willful violation of the FCRA, subjecting your company to liability under 15 U.S.C. 616617. I expect written confirmation of deletion within 30 days. 

Because the account appears to be reported by a debt buyer or collection agency, I am also exercising my right to request validation of the alleged debt and proof of your authority to collect or report it. Please provide the following documentation within the reinvestigation period : XXXX. Complete chain of assignment including all transfers of ownership, assignments, or sales demonstrating your lawful right to collect and report this account, as required under UCC 9-406.

2. Original agreement or contract a copy of the original signed agreement or other evidence that I am legally obligated for the alleged debt. 

XXXX. Detailed, itemized accounting showing how the claimed balance was calculated, including all fees, interest, credits, and payments applied. 

If you are unable or unwilling to provide complete, authenticated verification of the above within the time allowed by law, you must delete this account from my credit file immediately and notify all consumer reporting agencies to which you have furnished this information. 

Enclosed are my ID and proof of address for verification. Please resolve this within 30 days and provide written verification of your findings. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief