Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting this report regarding LVNV Funding LLC and Resurgent Capital Services, who are currently attempting to collect and report a debt that is both inaccurate and misleading, and which I believe is being handled in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question was originally with XXXX XXXX XXXX XXXX and has since been transferred to XXXX XXXX XXXX XXXX, and now to LVNV Funding LLC. According to my documentation, the last payment made on this account was on XX/XX/XXXX. This information is also supported by a copy of the original loan statement from XXXX XXXX, which I have included with this report. 

Despite the time that has passed, this account is still appearing on my credit reports and is currently being collected on. What is especially concerning is that the debt collectors records indicate a {$0.00} payment on XX/XX/XXXX, which I never made and have no record of authorizing. I believe this reflects a misrepresentation of my payment history, which has allowed the debt to continue appearing on my credit profile as if it is still active or due. 

On XX/XX/XXXX, I sent a formal written request for validation of the debt. In that letter, I asked for : Full documentation of the alleged {$0.00} payment, including date, method, and source; A copy of the original agreement with XXXX XXXX XXXX XXXX ; A complete payment and transfer history ; Verification of the legal transfer between XXXX XXXX, XXXX XXXX, and LVNV Funding. 

To date, none of the documentation I requested has been provided. The companies have not responded meaningfully or addressed my concerns. 



How This Has Impacted Me As a direct result of this account being listed inaccurately on my credit reports : I have been denied credit by lenders, who cited the presence of this collection account as the reason for rejection. 
My credit score has been negatively impacted.

I have experienced stress and difficulty accessing financial services due to this unresolved issue.

What Im Asking I am requesting that your office assist in ensuring the following : 1. That LVNV Funding LLC and Resurgent Capital Services provide a full and transparent response to my validation request ; 2. That, if they can not provide verification of the {$0.00} payment and other requested documents, this account be removed from all credit reporting agencies ; 3. That they cease any further collection attempts until the matter is resolved with proper documentation. 

I am happy to provide supporting documentation, including : The XXXX XXXX loan statement showing the last payment date ; My dispute letter ; Proof of identity ; A copy of the credit denial letters I received ; My recent credit reports. 

Thank you for reviewing this matter. I appreciate your time and assistance in protecting consumer rights and ensuring fair practices in credit reporting and debt collection.

Company response to consumer: Closed with explanation