Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Continued Inaccurate Credit Reporting, Failure to Conduct Reasonable Investigation, Failure to Report Disputes, and Misleading Collection Conduct by LVNV Funding LLC I am submitting this complaint regarding the continued conduct of LVNV Funding LLC and its continued furnishing of disputed information to the consumer reporting agencies despite repeated disputes, documented inconsistencies, and prior notice. This matter has been disputed multiple times directly with LVNV and through prior CFPB complaints. Despite this, LVNV continues to report the accounts while failing to properly investigate and failing to accurately report the accounts as disputed. On XXXX XXXX XXXX, at approximately XXXX XXXX, I spoke with an LVNV representative by phone regarding one of the accounts being reported. During this call, I was told that the account was in a legal status, that they were suing me, and that they could only provide additional information regarding the account if I paid it. I was also provided the following attorney office phone number allegedly connected to the matter : XXXX. I have retained the recording of this call. Months later, I received a letter from LVNV dated XXXX XXXX XXXX stating that due to the status of the debt they could not sue me, while simultaneously stating they would continue reporting the account to the credit bureaus. This directly contradicts the prior representations made during the XX/XX/scrub>XXXX XXXX XXXX phone call. Additionally, LVNV added a second collection account to my consumer credit reports on or around XXXX XXXX XXXX. I was never provided notice of this account within the 5-day timeframe required after initial communication regarding the debt. It was not until after I sent a certified mail dispute that LVNV finally mailed a notice letter dated XXXX XXXX XXXX regarding the account that had already been reporting for over a month. LVNV has also failed to properly report the accounts as disputed despite repeated disputes and written notice. In a prior response dated XXXX XXXX XXXX, LVNV stated that a request would be submitted to update the tradelines as disputed during the next reporting cycle. Despite this representation, the accounts were still not reported as disputed throughout the entire month of XX/XX/scrub>XXXX XXXX. Instead, the XXXX reporting period reflected ND ( No Data ). It was not until approximately XXXX XXXX XXXX that LVNV finally began reporting the accounts as disputed. As of XXXX XXXX XXXX the accounts still were not being reported as disputed. I possess screenshots, report numbers, and copies of my credit reports confirming this failure. I also possess a recorded phone call with an XXXX representative confirming that the accounts were not marked as disputed at that time. Furthermore, the documentation and responses provided by LVNV have contained multiple deficiencies and inconsistencies, including but not limited to : - Authentication records that do not align with the stated account origination dates - Account summaries explicitly stating they are not records from the original creditor - Failure to provide complete account-level documentation - Failure to provide a complete payment history from origination through charge-off - Failure to provide a complete chain of assignment and ownership documentation - Failure to adequately explain the methods and sources used to verify the accounts with the credit bureaus Despite repeated notice of these issues, LVNV has continued furnishing the accounts as accurate to the consumer reporting agencies. This continued reporting has caused substantial financial and emotional harm, including damage to my creditworthiness and interference with my ability to obtain housing and financing. At this point, I believe LVNV has failed to conduct a reasonable investigation into these disputes and continues to furnish information despite unresolved inconsistencies and documented notice of disputes. I am requesting the following resolution : - Immediate deletion of all LVNV tradelines associated with these disputed accounts from all consumer reporting agencies- Written confirmation that deletion requests have been submitted to XXXX XXXX XXXX XXXX - Immediate cessation of furnishing inaccurate or disputed information regarding these accounts - Confirmation that LVNV has corrected all prior reporting failures related to dispute notation I am preserving all records related to this matter, including certified mail records, CFPB submissions, recordings, screenshots, credit reports, and written correspondence. Due to the continued reporting issues, unresolved inconsistencies, and repeated failures described above, I have also submitted a formal complaint to the Georgia Attorney General regarding LVNV Funding LLCs collection and credit reporting conduct related to these accounts.

Company response to consumer: Closed with explanation