Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Date of Complaint : XX/XX/year> Respondent : LVNV Funding LLC Original Creditor : XXXX XXXX Alleged Balance : {$410.00} XXXX & XXXX/ Validation Letter Sent : XX/XX/year> ( via Certified Mail ) Reporting Bureaus Affected : XXXX XXXX XXXX XXXX I XXXX hereby file this formal complaint against LVNV Funding LLC for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. LVNV Funding LLC is currently reporting an alleged debt of {$410.00} originally associated with XXXX XXXX, on my consumer credit reports with XXXX XXXX XXXX XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year> i sent a written Cease and Desist and Debt Validation letter via Certified Mail demanding that LVNV Funding LLC : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt ; and ( 3 ) immediately remove this account from my consumer credit reports. As of the date of this complaint, LVNV Funding LLC has failed to respond entirely. Federal Violations VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT [ FCRA 15 U.S.C. 1681s-2 ] LVNV Funding LLC is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, LVNV Funding LLC has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a furnisher to conduct a reasonable investigation and correct or delete unverifiable information. VIOLATION 2 REPORTING TIME-BARRED / OBSOLETE DEBT [ FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ] The alleged debt referenced above is past the applicable statute of limitations and/or the 7-year credit reporting period established under federal law. The date of first delinquency has not been provided, and LVNV Funding LLC has failed to disclose this required information. Continuing to report and attempt to collect on a time-barred debt without proper disclosure constitutes a deceptive and unfair practice in violation of FDCPA 15 U.S.C. 1692e. VIOLATION 3 FAILURE TO VALIDATE ALLEGED DEBT [ FDCPA 15 U.S.C. 1692g ] LVNV Funding LLC failed to provide legally sufficient validation of the alleged debt. A collection notice, basic account summary, or internal record does not meet the legal standard for validation. LVNV Funding LLC has not provided : The original signed agreement A complete payment history Proof of legal authority to collect in my state This is a direct violation of FDCPA 15 U.S.C. 1692g. VIOLATION 4 CONTINUED COLLECTION ACTIVITY AFTER WRITTEN DISPUTE [ FDCPA 15 U.S.C. 1692c ( c ) ] After receiving my written Cease and Desist, LVNV Funding LLC continued reporting this account to the credit bureaus without providing validation or response. This constitutes continued collection activity in violation of FDCPA 15 U.S.C. 1692c ( c ), which requires cessation of collection efforts upon written request. Harm Suffered The unlawful reporting and collection activity by LVNV Funding LLC has caused the following harm : Significant damage to my consumer credit score Denial of loan, housing, and/or employment opportunities Higher interest rates due to derogatory reporting XXXX XXXX and financial injury Demands for Relief I respectfully demand that the CFPB : Investigate this matter and the conduct of LVNV Funding LLC ; Require immediate and permanent deletion of this account from XXXX XXXX XXXX XXXX ; Take appropriate civil enforcement action for willful violations of federal law ; Hold LVNV Funding LLC liable for statutory damages, actual damages, and attorneys fees pursuant to FDCPA 15 U.S.C. 1692k and FCRA 15 U.S.C. 1681n. Supporting Documentation The following documentation has been preserved and is available upon request : Copy of Cease and Desist / Debt Validation Letter Screenshots of the derogatory tradeline from XXXX XXXX XXXX XXXX All records have been preserved for potential civil litigation under applicable federal statutes. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Respectfully Submitted, XXXX XXXX XXXX / Consumer Date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief