Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding a XXXX / XXXX credit card account that LVNV Funding LLC is reporting and attempting to collect, with Resurgent Capital Services acting as servicer. I submitted a written request for validation regarding this alleged debt. I requested documentation proving the account, the balance, my legal obligation, LVNV Funding LLCs ownership of the account, the complete chain of assignment from XXXX to LVNV Funding LLC, and Resurgent/LVNVs authority to collect and report this account to XXXX XXXX XXXX XXXX. Although I received a response, the documentation provided does not sufficiently validate this alleged debt. The response did not include a signed agreement or contract connected to this specific XXXX / XXXX account. It did not include complete account-level ownership documentation. It did not include a full chain of assignment from XXXX to LVNV Funding LLC. It did not include a complete payment history or a full itemization proving how the balance being reported was calculated. The documents provided do not establish that LVNV Funding LLC legally owns this specific account. They do not establish that the balance was transferred accurately. They do not establish that Resurgent has authority to collect on behalf of LVNV. They do not establish that LVNV/Resurgent has authority to continue furnishing this account as accurate to the consumer reporting agencies. The issue is not simply whether Resurgent mailed a response. The issue is whether the response proves the debt. It does not. A generic account summary, partial statement, or broad transfer document does not prove an account-level chain of title. It does not prove that this specific XXXX / XXXX account was included in any sale or assignment to LVNV Funding LLC. It does not prove the balance, the legal obligation, or the authority to report. At this time, LVNV/Resurgent has not provided : A signed agreement or contract connected to this specific XXXX / XXXX account ; A complete payment history ; A full itemized accounting of the balance ; A complete chain of assignment from XXXX to LVNV Funding LLC ; A bill of sale or assignment identifying this specific account ; Account-level transfer documentation proving this account was sold or assigned to LVNV Funding LLC ; Proof that the balance transferred accurately ; Proof of Resurgents authority to collect on behalf of LVNV Funding LLC ; Proof of LVNV/Resurgents authority to furnish this account to XXXX XXXX XXXX XXXX XXXXDespite the incomplete validation, this account continues to be reported and updated on my credit reports as accurate and verified. That is misleading because LVNV/Resurgent has not provided the complete documents needed to prove ownership, chain of title, balance accuracy, legal obligation, or reporting authority. I have also received collection communications from XXXX XXXX regarding this same alleged debt while LVNV/Resurgent continues reporting the account. This raises additional concerns regarding ownership, placement, and authority to collect. If XXXX XXXX is contacting me about the same account, LVNV/Resurgent should be able to clearly explain XXXX role, whether the account has been placed or assigned, and how LVNV/Resurgent remains the proper reporting party. The involvement of multiple third-party entities attempting to collect the same alleged debt without complete validation creates confusion and raises serious concerns regarding who has authority to collect, who has authority to report, and whether the information being furnished is accurate and complete. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. LVNV/Resurgent has not provided complete verification proving ownership, legal obligation, balance accuracy, or authority, yet the account continues to be treated as collectible and reportable. This also raises concerns under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection. Continuing to represent this account as valid, collectible, owned, and reportable without complete documentation is misleading. It also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because LVNV/Resurgent is representing the character, amount, and legal status of a debt that has not been properly verified with complete account-level documentation. This further raises concerns under 15 U.S.C. 1692f ( 1 ) because a debt collector may not collect any amount unless the amount is authorized by the agreement creating the debt or permitted by law. LVNV/Resurgent has not provided the signed agreement, payment history, full itemization, or complete account-level documents showing the amount being collected is authorized and accurate. Because LVNV/Resurgent is furnishing this account to consumer reporting agencies, the company also has responsibilities as a furnisher under the Fair Credit Reporting Act. After a dispute is made through the credit reporting agencies, a furnisher must conduct a reasonable investigation and correct, delete, or modify information that is inaccurate, incomplete, or unverifiable under 15 U.S.C. 1681s-2 ( b ). The continued reporting of this XXXX/ XXXX account without complete validation, complete chain of assignment, account-level transfer proof, and itemized balance raises serious concerns about the accuracy and completeness of the information being furnished. I am requesting that LVNV Funding LLC and Resurgent Capital Services provide a direct, account-specific response. A generic verified response is not sufficient. I want them to identify the exact documents reviewed, explain how the balance was calculated, provide the complete chain of assignment from XXXX to LVNV Funding LLC, prove this specific account was included in the transfer, and explain XXXX XXXX XXXX or role regarding this same account. If LVNV/Resurgent can not provide complete documentation proving this account is accurate, legally owed, owned by LVNV Funding LLC , properly assigned, and lawfully reportable, then this account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation