Consumer complaint received 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/year>XXXX  LVNV Funding, LLC XXXX. XXXX XXXX XXXX, SC XXXX Re : Dispute of LVNV Funding Account Request for Removal under 15 U.S.C. 605B, 15 U.S.C. 1692G, 15 U.S.C. 1681I, 15 U.S.C. 1681C-2, and 15 U.S.C. 1681S-2 To Whom It May Concern, I am writing to dispute the information being reported by LVNV Funding , LLC regarding the account referenced below. This dispute is made in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I invoke 15 U.S.C. 605B ( removal of unverifiable information ), 15 U.S.C. 1692G ( debt validation ), 15 U.S.C. 1681I ( investigation of disputed information ), 15 U.S.C. 1681C-2 ( notice of negative information ), and 15 U.S.C. 1681S-2 ( furnisher of information responsibilities ). 
Account Information ( XXXX Format ) : Creditor Name : LVNV Funding, LLC Account Number : XXXX ECOA ( Equal Credit Opportunity Act ) Code : Account Status Code : XXXX Payment History Profile : pay Date of First Delinquency : XX/XX/year>XXXX  Compliance Condition Code : Dedt Date of Account Information : XX/XX/year>XXXX  Remarks or Special Comments : Individual Dispute Details : I am disputing the accuracy of the information reported by LVNV Funding , LLC for the account referenced above. I believe the information is either inaccurate, incomplete, or unverifiable, and I am invoking my rights under the following laws : 15 U.S.C. 1692G ( Debt Validation ) : I request that you validate the debt, as required by law, and provide me with documentation proving that I am responsible for the debt. 


15 U.S.C. 1681I ( Investigation of Disputed Information ) : I am requesting that the information be investigated, and if it can not be verified, it must be removed from my credit report.

15 U.S.C. 1681C-2 ( Notice of Negative Information ) : As this is negative information, if it can not be verified, it must be deleted from my credit report.

15 U.S.C. 1681S-2 ( Furnisher of Information Responsibilities ) : If XXXX XXXX, XXXX is reporting incorrect or unverifiable information, I demand that you update the information with the credit bureaus to reflect the accurate status of the account. 


Under 15 U.S.C. 605B, if the information reported can not be verified within the required time frame, it must be removed from my credit report.
Legal Rights and Expectations : Under 15 U.S.C. 1681I, credit reporting agencies are required to investigate disputed information, and if it is unverifiable, they must remove it from my report. I expect this investigation to be completed in a timely manner, as outlined by the Fair Credit Reporting Act. If the information is not properly verified, I request that it be removed.

Request for Resolution : Please validate the debt and provide me with supporting documentation, as required under 15 U.S.C. 1692G.

Conduct a thorough investigation into the accuracy of the information reported and provide me with the results in writing as required under 15 U.S.C. 1681I.

If the information can not be verified, I request the immediate removal of the disputed entries from my credit report, as required by 15 U.S.C. 1681C-2.

Please ensure that LVNV Funding, LLC complies with the requirements of 15 U.S.C. 1681S-2 and updates its records accordingly with the credit bureaus.

Should you fail to validate the debt or verify the information within the statutory timeframe, I will pursue legal action under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
Thank you for your prompt attention to this matter. I look forward to receiving a timely response and the updated information on my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation