Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Here 's an enhanced, more strategic version of your dispute letter : -- - * * RE : Formal Dispute LVNV Funding Account Violation of FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 3 ), and XXXX Standards * * * * Account in Question : * * LVNV Funding LLC ( as reported on XXXX  only ) -- - * * I. INCONSISTENT REPORTING ACROSS CREDIT BUREAUS * * LVNV Funding is furnishing this collection account exclusively to XXXX, while XXXX  and XXXX  reflect no such account. This selective reporting creates materially inconsistent credit profiles and violates the " maximum possible accuracy '' standard mandated under FCRA 607 ( b ). The disparate reporting suggests either : - The account lacks sufficient verification to meet furnishing standards, or - LVNV is engaging in selective reporting that manipulates my creditworthiness assessment Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must conduct reasonable investigations to confirm accuracy * * before * * reporting. Inconsistent tri-bureau reporting is prima facie evidence of failure to conduct such investigation. 

-- - * * II. FAILURE TO MAINTAIN ADEQUATE CHAIN OF TITLE DOCUMENTATION * * LVNV Funding is a debt buyer, not the original creditor. As such, they bear a heightened duty under : - * * FCRA 623 ( a ) ( 1 ) ( A ) * * to verify the completeness and accuracy of furnished information - * * CFPB Regulation F ( 12 CFR 1006.18 ( e ) ) * * requiring debt collectors to substantiate the debt prior to collection activity - * * XXXX Compliance Standards * * mandating accurate account coding and ownership documentation LVNV must possessand be able to produce upon disputeverifiable documentation including : - A complete chain of title showing legal transfer of the account from the original creditor - Bill of sale or assignment agreement - Itemization of the debt with proof of the reported balance - Authorization to report to consumer reporting agencies The absence of tri-bureau reporting strongly suggests LVNV can not satisfy this evidentiary burden. 

-- - * * III. MISSING CRITICAL DATE FIELDS REQUIRED UNDER FCRA 1681c ( a ) ( 4 ) * * The XXXX  tradeline * * omits both * * : - * * Date of Last Payment ( DLP ) * * - * * Date of First Delinquency ( DOFD ) * * These dates are * * mandatory * * under FCRA 1681c ( a ) ( 4 ) to calculate the 7-year reporting period for derogatory information. Without these fields, neither the bureau nor I can determine whether this account is being unlawfully re-aged or reported beyond the permissible timeframe. This omission alone renders the tradeline legally defective and non-compliant. 

-- - * * IV. INCORRECT XXXX ACCOUNT CODING * * The account is coded as * * '' Unknown - credit extension, review, or collection '' * *, which is facially improper. Purchased debt held by a debt buyer must be coded as : - * * Account Type : Collection Agency/Attorney * * ( Code DA ), or - * * Account Type : Factoring Company Account * * ( Code 9C ) Misclassification as " credit extension '' misrepresents the nature of the account and violates XXXX formatting requirements established by the Consumer Data Industry Association ( CDIA ) . This misleading categorization distorts credit scoring models and damages my creditworthiness. 

-- - * * V. EVIDENCE OF DISPUTE SUPPRESSION IN VIOLATION OF FCRA 611 ( a ) ( 3 ) * * The XXXX  tradeline contains the comment : * * '' Customer disputed account - reported by subscriber. " * * However, the account is * * not currently flagged as disputed * * on my credit report. This constitutes : - * * Dispute suppression * * under FCRA 611 ( a ) ( 3 ) - * * Violation of CFPB Consent Orders * * specifically governing LVNV Funding LLC and its parent company, Resurgent Capital Services ( Docket Nos. XXXX and others ) LVNV has a documented history of FCRA violations, including failing to conduct reasonable investigations and improperly reporting disputed accounts. The presence of this comment without an active dispute flag suggests improper handling of consumer disputes and potential willful noncompliance. 

-- - * * VI. REQUESTED RESOLUTION * * Due to the cumulative violations outlined aboveincluding inconsistent reporting, missing mandatory date fields, improper account coding, lack of verification documentation, and evidence of dispute suppression * * I demand immediate deletion of the LVNV Funding tradeline from my XXXX  credit report. * * This account can not be verified in compliance with : - Fair Credit Reporting Act ( FCRA ) 607 ( b ), 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 3 ), 1681c ( a ) ( 4 ) - Fair Debt Collection Practices Act ( FDCPA ) 807, 809 - CFPB Regulation F ( 12 CFR Part 1006 ) - XXXX Credit Reporting Resource Guide standards - CFPB Consent Orders governing LVNV Funding/Resurgent Capital Services I expect deletion within * * 30 days * * of receipt of this dispute, as required under FCRA 611 ( a ) ( 1 ) ( A ). Failure to delete this unverifiable and non-compliant tradeline will be considered willful noncompliance and may result in legal action under FCRA 616 and 617, including statutory damages, actual damages, and attorney 's fees.

Please provide written confirmation of deletion.

Company response to consumer: Closed with explanation