Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
FORMAL NOTICE OF DISPUTE, NOTICE OF ELECTION OF ARBITRATION, AND REGULATORY COMPLAINT Account Reference : Alleged XXXX Account Ending in XXXX Alleged Balance : {$1300.00} Respondents : LVNV Funding LLC Resurgent Capital Services I am submitting this formal notice and complaint regarding the above-referenced account. I dispute this alleged debt in its entirety, including but not limited to its existence, ownership, amount, and your legal standing to collect it. This notice addresses ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and potential violations of the Fair Credit Reporting Act ( FCRA ). 1. Failure to Provide Meaningful Validation ( 15 U.S.C. 1692g ) Upon receiving a collection notice, I timely exercised my statutory right to request validation of the alleged debt pursuant to 15 U.S.C. 1692g. On XX/XX/XXXX, Resurgent Capital Services responded only by providing an internally generated document labeled Account Summary Report. This document appears to be a self-generated internal record rather than documentation originating from the alleged original creditor. The materials provided do not include : Any original signed agreement or evidence of electronic assent A complete itemized transactional history establishing the alleged balance of {$1300.00} A bill of sale or assignment documentation identifying my specific account Documentation establishing an unbroken chain of title transferring this alleged obligation from XXXX to LVNV Funding LLC Providing only an internally generated summary does not constitute meaningful validation of the alleged debt. Until proper validation is provided, the FDCPA requires that collection activities cease. 2. Improper Attempt to Condition Validation on Disclosure of Sensitive Personal Information ( 15 U.S.C. 1692e and 1692f ) Rather than respond directly to my validation request, Resurgent Capital Services attempted to condition further correspondence on my disclosure of additional sensitive personal information. On XX/XX/XXXX, a representative requested that I provide my full date of birth and Social Security Number via email in order to correspond with me regarding the account. The FDCPA does not require a consumer to transmit highly sensitive personally identifiable information ( PII ) through unsecured electronic communications as a prerequisite to receiving validation of an alleged debt. You already possess identifying information sufficient to correspond with me, including my name, mailing address, and the account reference number used in your communications. Attempting to condition compliance with federal law on the disclosure of unnecessary sensitive information raises serious concerns regarding unfair or deceptive collection practices. 3. Documented History of Non-Compliance with Contractual Arbitration Provisions LVNV Funding LLC asserts the right to collect pursuant to a consumer credit agreement that allegedly contains an arbitration clause. However, I possess documented evidence showing that LVNV Funding LLC and Resurgent Capital Services have previously failed to comply with arbitration requirements contained in similar consumer agreements. In a prior dispute involving your company ( XXXX XXXX XXXX. XXXX ), I initiated arbitration pursuant to the contract through the XXXX XXXX XXXX ( XXXX ). According to correspondence from the XXXX dated XX/XX/XXXX, LVNV Funding LLC and Resurgent Capital Services failed to remit the required arbitration forum fees, and the XXXX therefore declined to administer the case. The XXXX further indicated that it may decline to administer future consumer arbitrations involving these entities due to non-compliance with its consumer arbitration rules. This documented history raises significant concerns regarding good-faith participation in the dispute-resolution provisions contained in the consumer agreements you seek to enforce. 4. Election of Arbitration Without conceding the existence, validity, or enforceability of any contract, and solely to the extent that such an agreement exists, I hereby elect arbitration pursuant to the arbitration clause contained in the alleged underlying agreement. Accordingly, any attempt to pursue this matter through litigation rather than arbitration may be subject to challenge based on the contractual dispute-resolution provisions. DEMANDED RESOLUTION In light of the issues described above, I demand the following : XXXX. Immediate Cessation of Collection Activity All collection efforts regarding this alleged account must cease unless and until proper validation is provided. XXXX. Written Confirmation of Account Status Provide written confirmation regarding whether this account will be closed, returned to the seller, or otherwise removed from your active collection portfolio. 3. Credit Reporting Compliance If this account has been furnished to consumer reporting agencies including XXXX XXXX XXXX it must be reported accurately, including the fact that the account is disputed by the consumer. I have preserved all correspondence and communications relating to this matter. Any continued collection activity without providing adequate validation, or any credit reporting activity that fails to accurately reflect the disputed status of this account, may result in further action to protect my rights under federal law.

Company response to consumer: Closed with explanation