Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am formally disputing the accuracy and validity of the LVNV Funding LLC account appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full verification of this account, including proof that LVNV Funding LLC is the legal owner and authorized creditor of the alleged debt, as well as documentation supporting the reported amount and payment history. Until such verification is provided, this account must be deleted from my credit file as unverified and inaccurate. Reporting unverifiable or incorrect information is a violation of federal law, and I am requesting its immediate removal from all credit bureaus. 1. 15 USC 1692g Part of the Fair Debt Collection Practices Act ( FDCPA ). Requires debt collectors to provide a written notice of debt validation rights, including the amount owed and the creditors name, and gives consumers the right to dispute debts. 
2. 15 USC 16815-2 This section does not exist in the U.S. Code . It may be a typo or misinterpretation of an actual section within 15 USC 1681.

3. 15 USC 1681i Part of the Fair Credit Reporting Act ( FCRA ). Covers the process for consumers to dispute inaccurate or incomplete information on their credit reports and requires credit bureaus to investigate disputes in a timely manner.

4. 15 USC 1681iaa This section does not exist. It may be a mistaken reference to another provision within 15 USC 1681.

5. 15 USC 6802 Part of the Gramm-Leach-Bliley Act ( GLBA ). Governs financial institutions obligations to protect consumers private financial information and requires them to provide privacy notices with an option to opt out of information sharing. 
6. 15 USC 1681 ( 4 ) This does not appear to be a valid reference. It might be an incorrect citation related to the definitions or provisions in the FCRA. 
7. 15 USC 1681b2 Likely refers to 15 USC 1681b, which details the permissible purposes for obtaining and using consumer credit reports, such as for credit, insurance, or employment decisions.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to investigate disputed information within 30 days of receiving this notice and provide a written response detailing its findings. If any of the above accounts can not be verified as accurate, they must be corrected or removed in accordance with 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. 

Additionally, failure to properly investigate or correct inaccurate information may expose TransUnion to liability under : 15 U.S.C. 1681n Civil liability for willful noncompliance.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

Request for Verification I am formally requesting that TransUnion provide : 1. All documentation used to verify the accuracy of the disputed accounts. 
2. A written explanation of the investigation process and results.

3. Confirmation of correction or removal of the inaccurate information.

Company response to consumer: Closed with explanation