Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Unverified Reporting by LVNV Funding LLC / Resurgent XXXX XXXX XXXX  Account To Whom It XXXX Concern, This letter is to file a formal complaint against LVNV Funding LLC and Resurgent Capital Services for their continued reporting of an account originally associated with XXXX XXXXXXXX XXXX XXXXXXXX. This account # XXXX is currently being reported to all three major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX as a collection account with a balance of {$1000.00}, and reflects a misleading past due status dated XX/XX/XXXX. 



1. Misleading and Potentially Re-Aged Reporting According to Resurgents own documentation, this account was charged off on XX/XX/XXXX, with no payments made since XX/XX/XXXX. Despite this, the tradelines across the three bureaus show the account as past due as of XX/XX/XXXX, and XXXX lists it as last updated on XX/XX/XXXX. 

This misrepresentation of the accounts age and status creates the false appearance of recent delinquency, which is both inaccurate and harmful. It may constitute re-aging, which is prohibited under FCRA 605 ( c ). The original delinquency datenot recent reporting or collection activitymust determine how long an account remains on a consumers credit file.

2. Failure to Provide Legal Debt Validation In response to my dispute, Resurgent provided : A billing statement from XX/XX/XXXX A Resurgent-prepared summary page An ownership history sheet referencing multiple internal transfers However, they failed to include : A signed credit agreement or application with my name A complete, itemized breakdown showing how the balance increased to {$1000.00} Legal documentation proving the assignment or sale of this specific account to LVNV Funding LLC Under FDCPA 809, a debt collector must provide full and verifiable proof of the debt. The documents sent do not meet this threshold.

3. Incomplete and Inaccurate Credit Bureau Reporting In addition to the re-aged dates, the reporting is also missing : Payment terms Monthly payment amount A complete payment history Proper identification of charge-off details This violates FCRA 607 ( b ), which requires that information furnished to cred
it reporting agencies be both accurate and complete.

4. Pattern of Misconduct Across Multiple Accounts This is now the third account Ive had to dispute involving LVNV Funding LLC and Resurgent Capital Services, all showing the same troubling behaviors : Re-aging of debts Missing documentation Misleading payment history Generic summaries not issued by the original creditor These repeated violations indicate a potential pattern of noncompliance with federal reporting and debt collection laws.

5. Consumer Harm Because this account is being reported to all three bureaus with false freshness and delinquency, it is directly harming my credit profile. This is impacting my ability to qualify for fair credit terms, rent property, or access basic financial opportunities. It also misleads creditors who review my profile.

Requested Resolution In light of the violations above, I respectfully request that the CFPB : Require the removal of this account from all credit reporting agencies if it can not be fully validated Investigate the accuracy and legality of LVNV Funding LLC and Resurgent Capital Services reporting and documentation practices Provide written confirmation of the outcome as required under FCRA 1681i I have attached : The documents sent by Resurgent Capital Services Screenshots of the XXXX credit report A copy of my government-issued ID and proof of address Given that this account is being reported across all three bureaus, I respectfully urge the CFPB to act promptly to ensure the account is either fully validated with proper legal documentation or deleted from all consumer credit reports in accordance with federal law.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation