Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute the response provided by Resurgent Capital Services on behalf of LVNV Funding LLC regarding the alleged debt associated with Account Number : XXXX. Their response fails to meet the requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ).

While LVNV Funding LLC asserts that they own the debt, their response does not include sufficient evidence of legal ownership or my obligation to pay. As a result, I request that the CFPB require LVNV Funding LLC to provide : XXXX. Proof of Ownership of the Debt ( FDCPA XXXX ( b ) ) A bill of sale or assignment agreement proving that XXXX XXXX XXXX XXXX. legally transferred ownership of this debt to LVNV Funding LLC. 

Documentation explicitly listing my name, account number, and balance owed in the assignment records. 

XXXX. Original Credit Agreement or Contract ( FDCPA 1692g ( a ) ) A copy of the original signed agreement or contract with XXXX XXXX XXXX, XXXX, demonstrating my legal obligation to pay. 

The terms and conditions that were in effect at the time the account was opened. 

XXXX. Full Account History & Balance Calculation ( FDCPA 1692e & 1692f ) A detailed breakdown of the accounts payment history, including : The original balance when the account was charged off. 

A list of all transactions, including payments made, interest applied, and any fees assessed. 

An explanation of how the current balance of {$590.00} was calculated. 

XXXX. Verification of Credit Reporting Practices ( FCRA 1681s-2 ) Proof that LVNV Funding LLC is legally authorized to report this account to credit bureaus.

Confirmation that they have conducted a reasonable investigation in response to my dispute, as required under FCRA 623. 

Evidence that they are not reporting inaccurate or unverifiable information to credit bureaus, which would be a violation of federal law. 

XXXX. Immediate Action if Validation is Incomplete ( FDCPA 1692g ( b ) ) If LVNV Funding LLC fails to provide the requested documentation, I respectfully request the CFPB to : Order LVNV Funding LLC to cease all collection activities until the debt is properly validated.

Direct them to remove any unverified or inaccurate reporting from my credit file.

Investigate LVNV Funding LLC for possible violations of the FDCPA and FCRA.

Until I receive proper validation, I do not acknowledge ownership or responsibility for this debt. If LVNV Funding LLC continues to report unverifiable information or engage in improper collection practices, I reserve the right to escalate this matter to the Federal Trade Commission ( FTC ) and my state attorney generals office. 

I appreciate the CFPBs attention to this matter and request a thorough review of LVNV Funding LLCs response. Please confirm receipt of this dispute and keep me informed of any updates.

Company response to consumer: Closed with explanation