Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
RE : XXXX XXXX | CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Current Owner : LVNV Funding LLC Servicer : Resurgent Capital Services To Whom It May Concern : I am writing in response to Resurgent Capital Services reply dated XX/XX/scrub>, 2025. I formally reject their position and demand a full deletion of this account from all credit bureaus. This is my second formal dispute, and your response fails to address key components of my concerns under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Chain of Custody / Proof of Ownership I demand that LVNV Funding and Resurgent Capital Services provide a full chain of custody of this alleged debt, including but not limited to : Original account application and terms signed by me with XXXX XXXX XXXX. 
Bill of sale and assignment documents between XXXX XXXX XXXX  and LVNV Funding LLC. 
All prior assignments or transfers showing legal ownership. 
Any and all account-level documentation including transaction history, balance calculations, interest, and fees. 

Until this documentation is provided, you can not verify the accuracy or legitimacy of the debt under the FCRA. Without proper legal assignment documentation, your right to collect and report this account is invalid.

2. Verification vs. Validation Your response repeats prior claims without supplying any actual validation of the debt as required under 15 U.S. Code 1692g ( b ). Merely restating information from a previous response is not validation. If this debt can not be fully validated with supporting documentation, including proof of contract and itemized accounting, it must be deleted from all credit reports immediately.

3. Reporting Disputed and Potentially Inaccurate Information You admit the account is disputed, yet continue to report it with no resolution or notation of the nature of the dispute. This is a violation of FCRA 623 ( a ) ( 3 ) and 623 ( a ) ( 5 ), which requires accuracy and completeness. Failing to report the actual reason and facts of the dispute, or failing to investigate in good faith, is grounds for immediate removal.

4. Hardship Mention Is a Deflection Your offer to consider a hardship plan is not responsive to the core dispute : I do not owe this debt as alleged. Whether or not I am facing hardship is irrelevant to whether your reporting and collection practices are lawful. Do not deflect from the issue of legal standing and verification.

5. Cease Contact Request Ignored Despite my prior request for limited communication, you continue to make broad, non-specific assertions while refusing to provide direct answers to my documented concerns. Please note that continued contact without proper validation violates my rights under the FDCPA.

Requested Resolution : 1. Provide full chain of assignment/ownership documentation, including original signed contracts and billing history.

2. Immediately delete the tradeline from all consumer reporting agencies due to lack of proper verification and legal standing.

3. Confirm in writing that this matter is closed and the account has been removed.

If your agency can not provide proper legal documentation to verify this debt and your authority to collect/report it, I request the CFPB to escalate this matter for enforcement action. This is also my fifth time contacting all 3 credit bureaus, showing them my police report of credit fraud and 2 different irs affidavits with 2 different years showing the creditors I have been a victim of credit fraud I am tired of this I need this if my record Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief