Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request for Alleged Debt and Notice of Potential Violations Dear LVNV Funding LLC, I am writing to formally request validation of an alleged debt you claim I owe, which has appeared on my credit report, causing significant damage to my credit score and financial opportunities. I recently sent a similar request to another entity managing my credit, mistakenly believing they were responsible for this account. As you are the debt collector reporting this debt, I am now directing this request to you to ensure compliance with federal law and to address the harm caused to my credit. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, you are required to provide a validation notice within XXXX days of your initial communication with me, including : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A statement that I have XXXX  days to dispute the debt, or it will be assumed valid. 
XXXX. A statement that if I dispute the debt in writing within XXXX days, you will provide verification of the debt or a copy of a judgment. 
XXXX. A statement that, upon my written request, you will provide the name and address of the original creditor, if different from the current creditor. 
To date, I have not received a proper validation notice as required by 15 U.S.C. XXXX ( a ), and your reporting of this alleged debt to credit bureaus without proper validation may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates that furnishers of credit information, such as LVNV Funding, ensure the accuracy and completeness of reported information. By reporting an unverified or inaccurate debt, you have caused unwarranted damage to my credit, potentially violating 15 U.S.C. XXXXi, which requires credit reporting agencies and furnishers to conduct a reasonable investigation upon dispute of inaccurate information. 
I demand full validation of this alleged debt, including : The original contract or agreement with the original creditor. 
A detailed account statement showing how the debt amount was calculated, including principal, interest, and fees. 
Documentation proving the chain of title or assignment of the debt from the original creditor to LVNV Funding. 
Evidence that the debt is within the applicable statute of limitations for collection in my state. 
Additionally, your failure to respond to my prior inquiries or provide evidence of the debts validity while continuing to report it to credit bureaus may constitute deceptive or unfair practices under 15 U.S.C. XXXX and 15 U.S.C. XXXX. Such actions have led to financial harm, including potential denials of credit, higher interest rates, and emotional distress, for which you may be liable for statutory damages up to {$1000.00} per violation, actual damages, and attorneys fees under 15 U.S.C. XXXXk. Furthermore, your actions may violate state consumer protection laws, such as [ insert applicable state law, e.g., Texas Debt Collection Act ], which prohibit misleading or harassing debt collection practices. 
Please provide the requested validation within XXXX days, as required by law, and cease reporting this alleged debt to credit bureaus until validation is provided. Failure to comply may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the FDCPA and FCRA, as demonstrated in cases like XXXX XXXX LVNV Funding, LLC ( 2019 ), where courts allowed claims for FDCPA violations due to improper debt collection practices. 
Send all correspondence to me at the above address or email. I expect a prompt response to resolve this matter and mitigate further damage to my credit.

Company response to consumer: Closed with explanation