Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to Resurgent Capital Services L.P., requesting that they delete the inaccurate information on the account. Resurgent Capital Services L.P. responded, stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my LVNV Funding LLC account under my credit report. After reviewing the information provided by you, I have identified multiple discrepancies that need to be deleted immediately. I respectfully request the following errors be corrected, the account deleted from my credit report, and all alleged late payments be removed since they are misrepresenting my credit status under the Fair Credit Reporting Act ( FCRA ). 
Inaccuracies Identified : 1. Account Status Reported as Charge-Off and " Collection/Charge-Off '' with Missing Payment History : The account is reported as a Charge-Off and Collection/Charge-Off status with no payment history available, which is inconsistent with the account 's actual payment activity. There is no evidence to suggest that this account should have been classified as a charge-off, as no payment history is available to validate this classification. 
Violations Identified : o FCRA Violation : Section 1681s-2 ( b ) Duty of furnishers of information to investigate disputed information accurately. 
o Code : Failure to provide accurate account status and misclassification of account as " Charge-Off '' without supporting data. 
2. Missing Payment History ( No Data Available ) : The report for this account shows No Data Available for multiple months. This omission is misleading because it creates an inaccurate reflection of the account, making it appear that no payments were made, when, in fact, payments should have been reported as made. This also conflicts with the reported charge-off status. 
Violations Identified : o FCRA Violation : Section 1681i ( a ) ( 1 ) Reinvestigation of disputed information must be completed and corrected promptly. 
o Code : Failure to report complete and accurate payment history. Inconsistent data reporting. 
3. Inconsistent Reporting Across Agencies ( LVNV Funding vs. Resurgent Capital Services ) : The account is reported by LVNV Funding under varying statuses and activity dates, including different collection agencies and activity reporting, which creates confusion about the account 's true status. This inconsistency violates FCRA regulations requiring accurate, consistent information across all reporting agencies. 
Violations Identified : o FCRA Violation : Section 1681e ( b ) Duty to maintain accuracy and consistency of information reported across all bureaus. 
o Code : Failure to maintain consistent data reporting across different agencies. 
Total Violations : 6 violations Total Violations Breakdown : 2 violations related to misclassification as Charge-Off without supporting evidence. 
2 violations related to missing or incomplete payment history reporting. 
2 violations related to inconsistent reporting across different agencies. 
Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of information. The inaccuracies in this account violate the FCRA, which mandates that only accurate information be reported to credit bureaus. These violations must be corrected immediately. 
Statutory Damages for FCRA Violations : The FCRA allows for statutory damages of {$100.00} to {$1000.00} per violation. Given the total number of violations, I am entitled to seek damages as follows : 2 violations related to misclassification as Charge-Off without supporting evidence : Potential Damages : {$200.00} to {$2000.00} 2 violations related to missing or incomplete payment history : Potential Damages : {$200.00} to {$2000.00} 2 violations related to inconsistent reporting across multiple collection agencies : Potential Damages : {$200.00} to {$2000.00} Total Potential Damages : {$600.00} to {$6000.00} Requested Action : I respectfully request the following actions : 1. Immediate deletion of this account from my credit report due to inaccurate and inconsistent reporting. 
2. Immediate correction of the account status to reflect accurate information, including removing the Charge-Off classification and properly reporting any payments made. 
3. Correction of the reporting history to reflect accurate payment history for all months. 
4. Ensure consistent reporting across all bureaus and collection agencies regarding this account. 
Please conduct a thorough investigation of these discrepancies and delete this account immediately. I request a written response detailing the actions taken within 30 days, as required by the FCRA. 
Notice of Legal Action : If these issues are not resolved promptly, I will pursue legal action under the FCRA for the violations identified, including seeking damages of {$600.00} to {$6000.00} for the 6 violations identified above. I am entitled to these damages as part of the statutory remedies available to me under the FCRA, and I am prepared to pursue this course of action if the errors are not rectified. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation