Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau Formal Complaint Submission Case Number : XXXX Status : Submitted on XX/XX/year> Pending Review Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX : Dispute of Unlicensed and Time-Barred Debt Collection by LVNV Funding LLC and Resurgent Capital Services LVNV Funding LLC Contact Details : * XXXX ID : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX * Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX * Phone : XXXX XXXX Toll-Free XXXX XXXX * Fax : XXXX * Website : www.lvnvfunding.com * Email : XXXX Accounts in Dispute : Account Number Creditor Collector Reported Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX Bank LVNV Funding LLC {$900.00} XXXX XXXX XXXX Bank LVNV Funding LLC {$640.00} XXXX XXXX XXXX XXXX LVNV Funding LLC {$820.00} XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC {$800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC {$1600.00} Complaint Summary : I am submitting this formal complaint regarding the conduct of LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting and attempting to collect multiple debts against my name in violation of Pennsylvania law. 

I contacted Resurgent Capital Services on XX/XX/year>, regarding these accounts. Despite being the sole account holder, I was misclassified as a third party. This misrepresentation is unacceptable. 

In addition, the item underlying the WebBank/Fingerhut account XXXX XXXX ) a bedwas never delivered. The item was returned during the COVID-19 pandemic in accordance with safety protocols. Despite being enrolled in XXXX 's payment protection program, my claim was improperly denied. 

Legal Issues Identified : XXXX. Unlicensed Collection in Pennsylvania Neither LVNV Funding LLC nor Resurgent Capital Services is licensed to collect debts in the Commonwealth of Pennsylvania, a direct violation of state licensing requirements for debt collectors. Their continued attempts to collect debts in this state are unlawful. 
XXXX. Violation of Pennsylvania Statute of Limitations ( XXXX XXXX  ) Under Pennsylvania Debt Collection Law, no debt can be collected after XXXX XXXX from the date of default. 
* I request a full investigation into the acquisition dates of each debt listed. 
* If any account was purchased or acted upon beyond the XXXX window, any collection effort is time-barred and should cease immediately. 
XXXX. Failure to Validate Debt ( FDCPA ) No legally compliant validation of debt has been provided under 15 U.S.C. 1692g, especially in light of my repeated requests.

4. Furnishing of Inaccurate Information ( FCRA ) Reporting unverifiable or time-barred debts to credit bureaus violates 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act. 
XXXX. Breach of Contractual Protections The denial of coverage under XXXX COVID-19 hardship program contradicts public policy and violates implied contractual obligations. 

Requested Relief : * Initiate an investigation into LVNV Funding and Resurgent Capital for operating without proper licensure in Pennsylvania. 
* Require disclosure of the date each debt was acquired and proof that they are within the XXXX enforceability window. 
* Investigate the legitimacy and documentation of each account, including proof of original contracts, delivery confirmation, and payment records. 
* Cease all collection activity on debts that are time-barred or illegally collected without a license. 
* Provide a written determination of findings and actions taken by the CFPB. 

Professional Closing Statement Given the facts outlined and the legal implications under both state and federal law, I respectfully request that the Consumer Financial Protection Bureau take appropriate regulatory action regarding the debt collection and reporting practices of LVNV Funding LLC and Resurgent Capital Services. 

Specifically, I request that : XXXX. All debt collection activities be immediately ceased for any accounts that are either time-barred under Pennsylvania lawwhich sets a XXXX statute of limitations on debt collection actions per 42 Pa. Cons. Stat. 5525 ( a ) ( 8 ) or illegally collected without a license, in violation of the Pennsylvania Fair Credit Extension Uniformity Act, 73 P.S. 2270.4 ( b ).

2. That all affected accounts be promptly removed from my consumer credit report, in accordance with the Fair Credit Reporting Act, particularly 15 U.S.C. 1681c ( a ) which prohibits the reporting of obsolete or unverified information.

It is my good-faith position that any entity operating as a debt collector in the Commonwealth of Pennsylvania must be duly licensed and operate in full compliance with all applicable consumer protection laws. I trust that your office will investigate this matter thoroughly and ensure that my rightsas a Pennsylvania consumerare upheld. 

Thank you for your time, attention, and your commitment to protecting consumers.

Company response to consumer: Closed with non-monetary relief