Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
FORMAL COMPLAINT AGAINST LVNV FUNDING LLC & RESURGENT CAPITAL SERVICES Reference Original CFPB Complaint : # XXXX ( XXXX XXXX XXXX XXXX and # XXXX ( XXXX XXXX XXXX ) To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : This complaint is filed against LVNV Funding LLC and its debt collection agent, Resurgent Capital Services, for unlawful and retaliatory debt collection actions following the resolution of my prior CFPB complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX ( CFPB Complaint # XXXX ). 
XXXX. RETALIATORY DEBT COLLECTION & HARASSMENT XXXX XXXX was investigated for six months due to unlawful payment restrictions, coercive practices, and ADA violations. 
XXXX ultimately removed all negative credit reporting and wrote off the debt as part of its resolution with the CFPB. 
LVNV Funding LLC suddenly " purchased '' the same debt on XX/XX/2025, despite XXXX 's agreement to remove it from credit bureaus. 
I began receiving aggressive collection efforts from Resurgent Capital Services in early XXXX, before I even received XXXXXXXX XXXX  final response on XX/XX/2025. 
LVNV/Resurgent has engaged in repeated, unwanted collection calls, emails, and letters despite my dispute of this debt. 
This immediate sale of the debt, directly after the CFPB resolution, is blatant retaliation for my previous complaint and an abuse of the debt collection process. 
XXXX. ILLEGAL RE-REPORTING OF A REMOVED DEBT TO CREDIT BUREAUS XXXX XXXX removed this tradeline from all credit reporting agencies per its agreement in the CFPB complaint resolution. 
If LVNV Funding attempts to re-report this debt, it is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
A debt can not be removed from credit reports and then " sold '' to a new entity simply to bypass the legal settlement reached with the CFPB. 
This practice constitutes unfair, deceptive, and abusive acts or practices ( UDAAPs ) under the XXXX XXXX ( XXXX XXXX. XXXX ). 
XXXX. VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) Harassing and excessive contact : Resurgent Capital Services has aggressively contacted me via phone, email, and letters despite knowing this debt was already subject to a regulatory resolution. 
False representations about the debt : They falsely claim the debt is still owed, despite XXXXXXXX XXXX resolution. 
Failure to provide proper debt validation : Resurgent has continued collection efforts without providing proper verification of the debt. 
Misleading statements and omissions : LVNV Funding LLC and Resurgent failed to disclose the prior CFPB resolution in their communications. 
4. LEGAL PRECEDENTS & STATUTES VIOLATED Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Prohibits false, inaccurate, or misleading information being reported to credit bureaus.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) Prohibits harassment, deception, and unfair practices in debt collection. 
XXXX XXXX ( XXXX XXXX. XXXX & XXXX ) Prohibits unfair, deceptive, and abusive acts or practices ( UDAAPs ). 

Reference Original CFPB Complaint : # XXXX - Originally ( XXXX XXXX XXXX XXXX XXXX They Sold and # XXXX - Originally ( XXXX XXXX XXXX ) - They Sold

Company response to consumer: Closed with non-monetary relief