Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting and attempting to collect an alleged consumer debt that I dispute. The pattern of conduct includes deceptive credit reporting and unauthorized third-party communications by LVNV 's collection vendors directed at my mother. I am requesting CFPB review. LVNV Funding LLC purchased my XXXX XXXX XXXX Rewards Card account ending XXXX on XX/XX/XXXX. XXXX XXXX XXXX and XXXX XXXX confirmed the sale date and the charge-off amount of {$450.00} directly to me on a recorded customer service call on XX/XX/XXXX. XXXX XXXX also confirmed the charge-off date as XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX XXXX was able to confirm the last payment date but unable to retrieve the last payment amount. From XX/XX/XXXX through XX/XX/XXXX, more than two years, LVNV did not report this tradeline on any of my credit reports. My XX/XX/XXXX XXXX credit report confirms LVNV was not reporting this account during that period. LVNV also did not send me any demand letter, account statement, payment portal access, or any other means to pay or dispute the alleged debt during that two-year window. I had no way to know LVNV held the alleged debt, and no way to pay it even if I had wanted to. In XX/XX/XXXX, more than two years after LVNV 's XX/XX/XXXX acquisition, LVNV first began reporting the disputed tradeline on my credit reports. My XX/XX/XXXX XXXX credit report shows the LVNV tradeline with Date Opened XX/XX/XXXX, Date Updated XX/XX/XXXX, High Balance {$450.00}, and Estimated Removal Date XX/XX/XXXX. The tradeline displays " Invalid date, Invalid date '' in the dispute classification metadata, indicating LVNV failed to populate required XXXX XXXX date fields including the Date of First Delinquency. The tradeline shows " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' under both current and previous classifications, indicating multiple prior disputes that LVNV verified without conducting reasonable investigations as required under 15 U.S.C. Section 1681s-2 ( b ). On XX/XX/XXXX, XXXX XXXX ( acting on behalf of LVNV ) emailed me about the alleged XXXX Rewards account, identifying original creditor XXXX XXXX XXXX, current creditor LVNV Funding LLC, brand XXXX XXXX XXXX, XXXX reference XXXX, and balance {$450.00}. This was the first direct collection contact I received from any party in the LVNV network in more than two and a half years since LVNV 's acquisition. Notably, XXXX already had my direct contact information on file from a prior, unrelated engagement. In XX/XX/XXXX, XXXX had handled a different account on behalf of XXXX XXXX XXXX XXXX ( a separate debt buyer, original creditor XXXX, XXXX reference XXXX ), which I resolved with XXXX through a {$700.00} full and final compromise payment on XX/XX/XXXX. Through that prior engagement, XXXX had my full direct contact information, including my address at XXXX XXXX XXXX XXXX in XXXX and my direct contact channels. Approximately one month after XXXX 's XX/XX/XXXX email to me regarding the LVNV XXXX account, in XX/XX/XXXX, XXXX XXXX XXXX XXXX ( a separate collection vendor working with LVNV ) sent an SMS text message from shortcode XXXX to my mother 's mobile telephone in New York. My mother is not me. She is a separate individual, a commissioned officer in the United States Army holding the rank of XXXX. At the time the text was received, she was in a sensitive military pre-deployment status. The text disclosed to my mother that XXXX XXXX was collecting on a XXXX XXXX XXXX XXXX Card with current creditor LVNV Funding LLC. The text directed her to a XXXX portal link. The disclosure to my mother violated 15 U.S.C. Section 1692c ( b ) of the Fair Debt Collection Practices Act. Third-party disclosure of consumer debt information is prohibited except for limited location-information purposes, with prior consumer consent, with court permission, or to effectuate a post-judgment remedy. None of those exceptions applied. LVNV 's collection chain already had my direct contact information through XXXX ( which had emailed me on XX/XX/XXXX ) and through XXXXXXXX XXXX prior XXXX file on me. There was no operational need to skip-trace and contact my mother. The decision to escalate from direct contact with the consumer to third-party pressure on the consumer 's family member, when direct contact information was already in hand, is precisely the harassment conduct FDCPA Section 1692d prohibits. The aggravating circumstance is that my mother was in a sensitive military pre-deployment status at the time, creating significant family disruption during a period when she had heightened operational obligations. On XX/XX/XXXX, XXXX XXXX denied my credit line increase request on a separate active XXXX XXXX credit card account, citing " the credit reporting agency has reported a recent credit delinquency. '' The denial letter named XXXX as the credit reporting agency relied on. The LVNV tradeline is the only collection account on my XXXX credit file matching the description of " recent credit delinquency. '' The disputed LVNV tradeline therefore directly caused a documented adverse action against me on XX/XX/XXXX, which is concrete economic injury attributable to the disputed reporting. Additional context relevant to the underlying accuracy of any data LVNV holds on this account : the alleged debt originates from a XXXX XXXX XXXX XXXX Card account that was being serviced during the period when XXXX XXXX was the defendant in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, United States District Court for the Southern District of New York , before Judge XXXX XXXX XXXX . In XX/XX/XXXX, Judge XXXX granted summary judgment finding that XXXX XXXX had repeatedly failed customer service standards on the XXXX XXXX XXXX XXXX, including failure to timely post transactions and failure to timely replace lost cards. The XX/XX/XXXX sale of my account to LVNV occurred during that period of judicially documented XXXX XXXX systemic servicing failures. Any account-level data XXXX XXXX transferred to LVNV during that window is presumptively unreliable. Attached : XXXX ( 1 ) .pdf : " XX/XX/XXXX XXXX credit report. LVNV XXXX XXXX tradeline does not appear, confirming LVNV was not reporting this account on my credit file during this period, despite LVNV having acquired the alleged debt on XX/XX/XXXX. '' Personal Annual Credit Report - XXXX.pdf : " XXXX XXXX credit report showing the LVNV XXXX XXXX tradeline. The report notes 'Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ' under both current and previous classifications, indicating prior disputes that LVNV verified without substantive investigation. '' XXXX : " XXXX XXXX credit report showing the LVNV XXXX XXXX tradeline. This is the bureau XXXX XXXX named as the source for its XX/XX/XXXX adverse action against me. '' XXXX : " Screenshot of SMS text message from XXXX XXXX sent by XXXX XXXX XXXX to my mother in New York. The text discloses original creditor XXXX XXXX, debt buyer LVNV Funding LLC, and account type XXXX XXXX XXXX. My mother is a separate individual, a commissioned officer in the United States XXXX holding the rank of XXXX, and was in pre-deployment status when contacted. This is the unauthorized third-party disclosure described in the complaint narrative. ''

Company response to consumer: Closed with non-monetary relief