Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
CFPB Complaint Request for Investigation of LVNV Funding LLC ( C/O XXXX XXXX XXXX ) Complainant : Name : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, LA XXXX XXXX : ( XXXX ) XXXX Email : ( provide your preferred email ) XXXX  File Number : XXXX Credit Report Date : XX/XX/XXXX Company Complained About : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX, XXXX, SC XXXX XXXX : ( XXXX ) XXXX Accounts at Issue ( as shown on my XX/XX/XXXX TransUnion report ) : XXXX ) LVNV Funding LLC Acct No. : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : Surge/Celtic Bank XXXX XXXX XXXX {$690.00} Date Opened ( XXXX XXXX ) : XX/XX/XXXX Date Updated ( XXXX XXXX ) : XX/XX/XXXX Pay Status : Collection Remarks : Account information disputed by consumer ( FCRA ) ; Placed for Collection 2 ) LVNV Funding LLC Acct No. : XXXX * * * * Original Creditor : XXXX  XXXX Platinum Balance Reported : {$200.00} Date Opened ( XXXX XXXX ) : XX/XX/XXXX Date Updated ( XXXX XXXX ) : XX/XX/XXXX Pay Status : Collection Remarks : Placed for Collection What happened and why XXXX complaining : I am disputing the accuracy and completeness of the LVNV Funding LLC tradelines listed above. I submitted disputes regarding these tradelines because the information being furnished is inaccurate and/or can not be verified. Despite my disputes, LVNV continued reporting the accounts in collection without correcting the errors or providing adequate validation.

I believe LVNV, as a furnisher, has violated the Fair Credit Reporting Act ( FCRA ), including its duty to report information accurately and to conduct a reasonable investigation after receiving notice of my disputes through the consumer reporting agency. I also believe LVNV has violated the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection and credit reporting activities without providing proper validation and by communicating information that is false, misleading, or can not be substantiated.

Steps already taken : I disputed these items with the credit bureau ( s ) and indicated the information was inaccurate and required verification.

I requested validation/verification of the alleged debts.

LVNV did not provide adequate validation and the tradelines continue to appear with adverse information.

Requested resolution : Require LVNV to provide complete, documented verification of the accounts, including chain of title and a full accounting, or delete the tradelines from all consumer reporting agencies if they can not be verified.

Require LVNV to cease collection and reporting until verification is provided, and to correct any inaccurate information previously furnished.

Require LVNV to send me written confirmation of any corrections or deletions made.

I also request that the CFPB consider appropriate supervisory/enforcement action if LVNVs conduct reflects a pattern or practice of noncompliance.

Harm suffered : The continued reporting of these disputed tradelines has negatively affected my credit standing and access to credit and has caused me stress and time lost addressing these issues.

Attachments I will upload with this complaint : Copy of my TransUnion credit report dated XX/XX/XXXX showing both LVNV tradelines.

Copies of my dispute submissions and any responses received. 
Any additional correspondence related to these accounts. 

I certify that the facts stated here are true to the best of my knowledge. 

/s/ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation