Consumer complaint received 2025-06-01 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: CO

Complaint narrative:
Dear Compliance Department, This letter is in response to your correspondence dated XX/XX/year>, regarding the above-referenced account. I appreciate your acknowledgement of my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>. However, I must respectfully dispute several inaccuracies and request further action under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Incorrect Balance Reporting The original charge-off balance reported by XXXX XXXX XXXX was {$610.00}. Since LVNV Funding acquired the account, I have made {$390.00} in payments, which your own records partially confirm ( {$24.00} received but not fully updated ). Based on these payments, the correct remaining balance is {$220.00}, which was part of a compromise agreement. However, you are still reporting a balance of {$590.00}, which is grossly inaccurate and misleading. 

I request an immediate investigation and correction of this accounts reporting. Under the FCRA ( 15 U.S. Code 1681s-2 ( a ) ), you are obligated to report accurate and complete information to credit reporting agencies. Failure to correct this error will result in further complaints being filed with the CFPB, FTC, and potentially civil action.

2. Unauthorized Communication with Third Party Additionally, I was informed that LVNV Funding or its agents ( e.g., XXXX XXXX ) contacted my sister by email regarding this debt. This is a direct violation of the FDCPA, 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties about a consumers debt without prior consent. This disclosure was unauthorized and constitutes a breach of my privacy rights. 

XXXX. Contradictory Information from Collection Agency On XX/XX/year>, XXXX XXXX XXXX, who you identify as the managing agency, confirmed in writing that neither they nor LVNV Funding are authorized to report this account to the credit bureaus unless the balance is {$0.00}. This directly contradicts your statement that the tradeline is being reported and will continue to be reported. 

Please clarify this discrepancy and provide documentation that outlines your legal authority to report this account in its current status and balance. 

XXXX. Requested Action I formally request the following actions within 30 days, per the FCRA and FDCPA : Provide documentation supporting the full breakdown of all payments received since the account was acquired by LVNV.

Correct the account balance to reflect the accurate remaining balance of {$220.00}.

Remove or suppress the account tradeline from credit reporting until the dispute is resolved. 
Provide written assurance that no further unauthorized third-party contact will occur. 
Provide the name, license number, and address of any collection agency assigned to this account, including XXXX XXXX. 
If this matter is not resolved within the timeline prescribed by law, I will pursue further remedies with the CFPB, FTC, and if necessary, in civil court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation