Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This response is being submitted as a rebuttal to the information provided by Resurgent Capital Services / LVNV Funding LLC. I need to clearly state the following : I do NOT own this account, I did NOT authorize it, and I filed an FTC Identity Theft Report because this tradeline is the result of identity theft.

LVNV/Resurgent has not provided any documentation proving that I opened, authorized, or benefited from this alleged account.

1. I Am Filing a NEW Case Because My Previous Case Was Closed Unresolved My earlier case, CFPB Case XXXX, was closed without resolution, even though : LVNV did NOT validate the debt LVNV did NOT provide documentation LVNV did NOT acknowledge my FTC Identity Theft Report LVNV continued furnishing inaccurate data The fraudulent account was not deleted Because the issue was not resolved and no proper investigation occurred, I am filing a new case. 

2. Other Cases Were Incorrectly Marked as Duplicates Several of my follow-up filings were automatically marked as duplicate submissions.

They were not duplicatesthey were rebuttals because : The problem remained unresolved LVNV did not comply with federal law The fraudulent account was still reporting No validation was ever provided These were legitimate dispute continuations, not duplicates.

This filing is another rebuttal because LVNVs most recent response still does not resolve the issue. 

3. LVNV / Resurgent Failed to Validate the Debt LVNV did NOT provide : A signed contract Any application completed by me Identity verification documents Account statements Proof I ever used or benefited from this account Any document linking me to the alleged debt Under FDCPA 809 ( b ), they must cease any collection or reporting until validation is provided.

They did not provide it.

Therefore, continued reporting violates both the FCRA and FDCPA. 

4. I Filed an FTC Identity Theft Report Because This Account Is Fraudulent I submitted an FTC Identity Theft Report, legally asserting that : The account was opened without my permission I did NOT authorize it I did NOT benefit from it My identity was misused Under FCRA 605B, once an identity theft report is submitted : The account MUST be blocked All reporting MUST cease The tradeline MUST be deleted Collection MUST stop LVNV has ignored these legal obligations. 

5. LVNV / Resurgents Response Did NOT Resolve the Issue Their response : Did NOT provide validation Did NOT disprove my identity theft claim Did NOT provide original documents Did NOT show a contract with my signature Did NOT show I ever opened or approved this account Instead, they rely on generic statements that do not meet legal standards.

This is NOT a resolution.

6. Continued Reporting Violates Federal Law By continuing to report a debt they can not validate, LVNV is violating : FCRA 607 ( b ) Failure to maintain accuracy FCRA 602A Right to fair and accurate reporting FCRA 623 ( a ) ( 3 ) Failure to investigate disputes FCRA 611 ( a ) Failure to delete inaccurate information FCRA 605B Failure to block identity theft accounts FDCPA 807 Misrepresentation of debt FDCPA 809 ( b ) Failure to validate Their actions directly harm me and violate my consumer rights.

7. Requested Fair Resolution To resolve this matter legally and fairly, I request the CFPB require LVNV/Resurgent to : Delete the LVNV Funding tradeline from ALL credit bureaus Block the account under FCRA 605B Cease ALL collection activity permanently Provide written confirmation that I do NOT owe this debt Notify any third-party collectors that the account is fraudulent Ensure the account can not be reinserted Correct any negative impact caused by this inaccurate reporting This is the only lawful and fair resolution based on identity theft and lack of validation.

8. Final Statement To summarize : I do NOT own this account.

I filed an FTC Identity Theft Report. 
My previous case ( XXXX ) was closed unresolved.

Other follow-ups were incorrectly marked as duplicates.

This filing is a rebuttal, not a duplicate.

LVNV has NOT validated the debt.

LVNV must delete the account under federal law.

I respectfully request the CFPB to require Resurgent / LVNV Funding LLC to comply with all federal consumer protection statutes and to permanently remove this fraudulent account from my credit reports.

Company response to consumer: Closed with non-monetary relief