Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding LLC is deliberately violating the law and my rights as a consumer. They are reporting these accounts as active collections even though I have disputed them multiple times and they have never once provided proper validation. Their reckless and illegal reporting has caused me to be denied auto financing and blocked from accessing essential credit. LVNV is knowingly reporting false, unverified information, and I will not sit by while they damage my financial life and ignore federal law.

FCRA 1681s-2 ( b ) : LVNV has refused to properly investigate my disputes or correct inaccurate information. Continuing to report without verification is willful noncompliance.

FDCPA 1692g : I lawfully requested validation, and LVNV has completely failed to provide it. Any collection or reporting under these conditions is a direct violation of the FDCPA. 

XXXX XXXX Guidelines : LVNV is misreporting key data, including Collection Account status, misuse of Dispute Code, and falsified Date of First Delinquency, which violates industry reporting standards and makes the accounts misleading.

LVNVs actions have gone beyond simple reporting errorsthey have become harassment. Every time I attempt to apply for credit, I am punished for debts that have not been validated and are in active dispute. This ongoing situation has created extreme stress, anxiety, and emotional distress, affecting my ability to handle basic financial needs for myself and my family.

Their refusal to investigate or correct this information shows a deliberate and reckless disregard for my rights under federal law. This is not just an administrative error ; it is a pattern of abusive, harmful behavior that has caused real emotional and financial harm. 

Kathryn Gwiazda v. LVNV Funding LLC, No. 3:22-cv-01467 ( 3rd Cir. XXXX ) : LVNV was found in violation of the FDCPA for ignoring consumer disputes. My situation mirrors this pattern exactly. 

Other FDCPA Cases : Courts have repeatedly ruled against XXXX for misrepresenting debt status and ignoring disputes. This demonstrates a systemic problem within their business practices. 


Account disputed XX/XX/XXXX FCRA 1681i ( a ) Bureau required to investigate in 30 days Monthly Disputed remark stays XXXX XXXX XXXX XXXX XXXX Code 166 misuse No reinvestigation or suppression Damages Estimate : Statutory : $ XXXX ( XXXX tradelines x 2 years ) Actual : Accounts shown in dispute for XXXX months = credit application red flags Total : {$10000.00} {$18000.00} I would also like to clearly state for the record that this complaint does not yet include the discrepancies and violations reflected on my XXXX credit report. However, if those inaccuracies are not resolved promptly and in good faith, I fully intend to incorporate them into any future formal litigation and enforcement action. I am prepared to pursue the maximum statutory and actual damages available under the Fair Credit Reporting Act and applicable state consumer protection laws. I will not accept partial remedies or cosmetic corrections my expectation is full compliance, complete resolution, and just compensation for the harm Ive endured.

Company response to consumer: Closed with non-monetary relief