Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
CFPB COMPLAINT AGAINST LVNV FUNDING LLC Complaint Type : Incorrect Information on Credit Report / Attempts to Collect Debt Not Owed I am filing this complaint against LVNV Funding LLC regarding a collection account appearing on my consumer credit reports. LVNV Funding LLC is reporting a collection account allegedly originating from XXXX XXXX XXXX XXXX XXXX Bank with a balance of approximately {$25000.00}. I dispute the account in its entirety and have reason to believe the account resulted from identity theft, unauthorized activity, inaccurate reporting, or a combination thereof. Despite reporting this account to consumer reporting agencies, LVNV Funding LLC has failed to provide competent evidence establishing that I am legally obligated for the debt. To date, I have not been provided with documentation establishing ownership of the alleged debt, a complete chain of assignment, documentation identifying my specific account within any alleged transfer, or documentation supporting the balance being reported. The company is furnishing information to XXXX XXXX XXXX XXXX that is damaging my credit profile while failing to provide documentary evidence supporting the accuracy of the information being reported. Furnishing information to consumer reporting agencies without maintaining adequate records raises serious concerns regarding compliance with the Fair Credit Reporting Act. I specifically dispute : Ownership of the alleged debt. The accuracy of the reported balance. The accuracy of the payment history. The accuracy of any reported delinquency information. The accuracy of the account status being furnished to consumer reporting agencies. The company 's authority to report information that it can not substantiate with competent evidence. I have requested documentation supporting the account, including proof of ownership, proof of assignment, account-level records, payment history, and documents supporting the balance being reported. The company has not provided sufficient documentation establishing the accuracy of the information being furnished. I am requesting that LVNV Funding LLC either : 1. Provide complete documentary evidence establishing ownership, assignment, liability, balance calculation, and reporting accuracy ; or 2. Immediately request deletion of the tradeline from XXXX XXXX XXXX XXXX. I also request that the CFPB require LVNV Funding LLC to explain what documents were reviewed before furnishing and/or verifying this account with consumer reporting agencies. The continued reporting of disputed information without adequate substantiation is causing ongoing harm to my creditworthiness and ability to obtain credit on fair terms. I further dispute LVNV Funding LLC 's authority to collect and report this alleged obligation in the State of New Jersey. Upon information presently available to me, LVNV Funding LLC has not provided documentary evidence establishing its authority to engage in collection activities concerning this account within XXXX XXXX. I requested documentation establishing the legal basis upon which LVNV Funding LLC claims the right to collect, service, and furnish information regarding this alleged debt. To date, no such documentation has been provided. Accordingly, I request that LVNV Funding LLC be required to produce all documents demonstrating its authority to collect and report this alleged obligation and explain the legal basis for its collection activities relating to this account.

Company response to consumer: Closed with explanation