Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate and misleading reporting of XXXX separate accounts tied to XXXX XXXX XXXX XXXX XXXX which now also involve LVNV Funding LLC XXXX These items are currently being reported across Experian, TransUnion, and Equifax, and they are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially the Uniform Commercial Code ( UCC ). 

XXXX. No Valid Contract or Agreement with LVNV Funding LLC I never entered into any agreement with LVNV Funding LLC. I have not received a signed contract, bill of sale, or assignment agreement proving that this third-party entity has a legal right to report or collect any debt. Under UCC Article 3, the right to enforce a debt requires legal ownership or proper endorsement and delivery of the original note. I still hold the original promissory note, and no transfer of rights or ownership was ever disclosed, agreed upon, or documented properly.

2. Misleading and Duplicative Reporting There are now multiple entries on my credit reports related to this debt XXXX showing as a charged-off account from XXXX XXXX XXXX and another newly listed by LVNV Funding LLC XXXX XXXX dates and amounts. This creates the false appearance of two separate debts and may constitute duplicate reporting, unauthorized re-aging, and a misrepresentation of account status. 

XXXX account ( from XXXX XXXX ) lists an open date of XX/XX/XXXX, a charge-off status, and a past due balance of {$3300.00} with the comment : Account closed at credit grantor 's request. Completed investigation of FCRA dispute consumer disagrees. 

Another ( from LVNV Funding LLC ) lists an open date of XX/XX/XXXX, and a past due balance of {$10000.00}, referencing XXXX XXXX as the original creditor with the misleading comment : Account information disputed by consumer ( meets requirement of the Fair Credit Reporting Act ). 
Plus a separate comment about negotiating debt or disputing with the collection agency. 

These comments are vague, misleading, and contradictory, and they attempt to shift the burden of verification back to me, the consumer, when the FCRA clearly places that burden on the data furnisher and the credit bureaus. 

XXXX. Demand for Immediate Action and Proof of Legal Standing I am demanding the following actions be taken immediately : Deletion of any account that can not be verified with full legal documentation, including a signed assignment, bill of sale, or transfer agreement showing lawful ownership and authority to collect/report this debt. 

A full and complete investigation into how these XXXX accounts are being reported, and whether there has been any re-aging or duplicate reporting in violation of FCRA XXXX ( a ) ( XXXX ). 

XXXX removal of all unverifiable or misleading remarks, and removal of any debt that has been improperly transferred or reported without proper documentation. 

This issue has gone unresolved for far too long. I have made repeated attempts to correct it through the appropriate channels. I am now asking the CFPB to hold XXXX XXXX XXXX XXXXXXXX XXXX, and LVNV Funding LLC fully accountable under the law. 

Thank you for your immediate attention and enforcement action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation