Consumer complaint received 2025-12-26 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 submitting this complaint regarding LVNV Funding LLC because an account attributed to LVNV has appeared on my consumer credit reports even though I do not own, recognize, or have any responsibility for this account. The account is the result of identity theft, and despite my efforts to dispute it and document the fraud, the inaccurate reporting has continued. This complaint explains what occurred, the steps I took, and why the issue remains unresolved.

1. Discovery of the LVNV Account I discovered the LVNV Funding LLC account when reviewing my credit reports. I did not recognize the account, did not recall opening it, and could not associate it with any legitimate financial transaction in my records. The appearance of this account was unexpected and inconsistent with my known credit history.

Because I regularly review my credit reports and maintain records of my legitimate accounts, I immediately recognized that the LVNV account was suspicious.

2. Initial Review and Determination That the Account Is Not Mine After discovering the LVNV account, I conducted a thorough review of my personal financial records, prior obligations, payment history, and account documentation. I confirmed that : I did not apply for credit associated with LVNV Funding LLC, I did not authorize any creditor to open or assign an account to LVNV, I did not receive goods, services, or funds tied to this account, and I did not benefit from the alleged obligation in any way.

Based on this review, I determined that the account was not mine.

3. Identity Theft Determination Given that the account appeared without my knowledge or authorization, I concluded that my personal identifying information had been used fraudulently, constituting identity theft. This was not a clerical error or misunderstandingit was the unauthorized use of my identity.

Recognizing the seriousness of identity theft, I took immediate steps to document and report the fraud.

4. Filing of FTC Identity Theft Report I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov. This report was submitted truthfully and in good faith, under penalty of law, and documents that I am a victim of identity theft.

The FTC Identity Theft Report establishes that : The LVNV account is fraudulent, I did not open or authorize the account, and I am disputing responsibility for the alleged debt.

This report serves as formal evidence that the account should be treated as identity-theft-related information.

5. Disputes and Notifications After filing the FTC Identity Theft Report, I disputed the LVNV account and notified the relevant parties that the account was fraudulent. I clearly communicated that : I do not own the account, The account resulted from identity theft, and I had filed an FTC Identity Theft Report to document the fraud.

Despite these actions, the account has continued to appear on my credit reports.

6. Lack of Meaningful Validation by LVNV Funding LLC At no point did LVNV Funding LLC provide documentation demonstrating that I am the legitimate account holder. Specifically, LVNV failed to provide : A signed agreement bearing my verified signature, Proof that my identity was verified at account opening, Evidence that I applied for or authorized the account, Documentation showing I received or benefited from the alleged debt.

Without such proof, there is no legitimate basis to attribute this account to me.

7. Continued Reporting Despite Identity Theft Notice Even after notice of identity theft and the filing of an FTC report, the LVNV account continued to be reported on my credit file. This ongoing reporting has caused continued harm and distress.

The presence of a fraudulent account on a consumers credit report : Lowers credit scores, Interferes with access to credit, housing, and employment, Creates reputational harm, and Forces the consumer to spend significant time correcting errors they did not cause.

8. Impact of the Inaccurate Reporting The continued reporting of the LVNV account has had a negative impact on my financial life. This includes : Damage to my credit profile, Increased difficulty qualifying for credit, Emotional distress from ongoing disputes, Time and effort spent repeatedly addressing fraudulent information.

This harm persists as long as the account remains reported.

9. Inadequate Reinvestigation Any reinvestigation conducted appears to have relied on internal data rather than a substantive review of identity and authorization. A reasonable reinvestigation should include : Review of original account-opening documentation, Verification of identity credentials, Consideration of identity-theft indicators, Evaluation of the FTC Identity Theft Report .

This did not occur.

10. Why the Issue Remains Unresolved The issue remains unresolved because : The LVNV account is still reported, I have not received proof that I am responsible for the debt, Identity theft has not been properly acknowledged or addressed, and The inaccurate reporting continues to cause harm.

Merely marking an account as disputed or stating that an investigation occurred does not resolve the underlying inaccuracy.

11. Timeline Summary I discovered an LVNV Funding LLC account on my credit report.

I reviewed my records and determined the account was not mine.

I identified the issue as identity theft.

I filed an FTC Identity Theft Report.

I disputed the account and notified LVNV of the fraud.

LVNV did not provide proof of ownership.

The account continues to be reported inaccurately.

12. Good-Faith Efforts to Resolve the Issue I acted responsibly and in good faith throughout this process by : Monitoring my credit reports, Promptly disputing fraudulent information, Filing an FTC Identity Theft Report, Communicating clearly that I do not own the account.

Despite these efforts, the issue persists.

13. Why CFPB Assistance Is Needed Because my attempts to resolve this matter directly have not resulted in full correction, CFPB assistance is necessary to : Ensure that identity-theft protections are honored, Stop the continued reporting of fraudulent information, Restore the accuracy of my credit file.

14. Clarification of My Position To be clear : I do not own any account with LVNV Funding LLC.

I did not authorize the account.

I did not benefit from the account.

The account resulted from identity theft.

I filed an FTC Identity Theft Report documenting this fact.

15. Closing Statement I am requesting CFPB assistance because the LVNV Funding LLC account on my credit report is fraudulent and the result of identity theft. Despite my good-faith efforts to document and dispute the account, it remains reported and continues to cause harm.

This complaint is submitted so that the inaccurate reporting can be corrected, my credit file restored, and the effects of identity theft brought to an end.

Company response to consumer: Closed with non-monetary relief