Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV/Resurgent Capital Services To Whom It May Concern, I am submitting this complaint regarding LVNV LLC XXXX XXXX XXXX XXXX XXXX who failed to properly respond to my written request for validation of an alleged debt they were attempting to collect on behalf of LVNV Funding LLC . 

On XX/XX/year>, I sent a debt validation request to LVNV/ XXXX XXXX XXXX within the XXXX period following their initial collection notice. Instead of receiving a response from LVNV and or XXXX, I was contacted by Resurgent Capital Services, who stated they were responding regarding the same LVNV Funding LLC account. 

Resurgent Capital Services only provided a copy of a billing statement, which does not meet the requirements for valid verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. No further documentation has been provided to show that XXXX XXXX XXXX, Resurgent Capital Services, or LVNV Funding LLC have the legal right to collect on this alleged debt. Neither XXXX nor LVNV responded except for XXXX continuing to send harassing debt collection emails daily. 

Specifically, I have not received : Proof that any of the above entities are authorized to collect this debt ; - A copy of the original signed credit agreement or contract ; - A full payment history and itemized accounting of the alleged balance ; - Documentation showing the chain of ownership from the original creditor to the current entity. Despite my request with multiple debt proper validation request, LVNV/XXXX XXXXXXXX XXXXResurgent Despite I have not received proper validation or supporting documentation. 

XXXX XXXX XXXX has continued to send me collection emails, which may constitute continued collection activity in violation of the FDCPA. Resurgent Capital Services only provided a copy of a billing statement, which does not meet the requirements for valid verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. No further documentation has been provided to show that XXXX XXXX XXXX, Resurgent Capital Services, or LVNV Funding LLC have the legal right to collect on this alleged debt. I have not received any Chain of Assignment or Legal Proof of Debt Ownership I have received no documentation confirming the legal transfer of the debt from the original creditors to LVNV Funding LLC. Without this, they have no standing to collect or report. I request that LVNV/XXXX XXXX XXXX and Resurgent to immediately cease all collection activities and provide written confirmation that the matter is resolved unless and until they can fully validate the debt. 

This company has failed to validate the debt and continues to report unverifiable and false information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau intervene to : Permanently delete this account from all credit bureaus Ensure the company ceases all collection and reporting activity Investigate LVNV Funding LLC and Resurgent Capital Services for noncompliance Provide written confirmation of resolution.

Company response to consumer: Closed with non-monetary relief