Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  DC XXXX Re : Formal Complaint Against LVNV Funding LLC / Resurgent Capital Account # : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX This complaint is filed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the unlawful reporting and collection activities of LVNV Funding LLC / Resurgent Capital concerning the above account. I, XXXX XXXX, have never provided written consent authorizing LVNV Funding LLC / Resurgent Capital or its affiliates to obtain, share, or furnish my personal information to any credit bureau or third party. 
XXXX. Violation of FCRA 1681e ( b ) The account is being reported inaccurately and inconsistently across Experian, Equifax, and TransUnion. The balances, open dates, and update periods do not match, demonstrating a failure to maintain the maximum possible accuracy of data. 
XXXX. Violation of FCRA 1681i ( a ) ( 5 ) ( A ) After certified disputes were submitted, no documentary verification ( such as a signed contract or full account history ) was provided within 30 days. Any unverifiable account must be deleted under this law. 
XXXX. Violation of FDCPA 1692g LVNV Funding LLC / Resurgent Capital failed to provide written debt validation within five days of the initial notice. No signed credit agreement, account ledger, or proof of ownership from the original creditor ( XXXXXXXX XXXX XXXX XXXX ) has been produced. 
XXXX. Violation of FDCPA 1692cc The company continued reporting and collection activity even after receiving notice of dispute, violating federal law prohibiting continued collection on an unvalidated debt. 
XXXX. Metro 2 & UCC 9-210 Violations The reported data is inconsistent across bureaus, violating Metro 2 formatting and data accuracy standards. Further, LVNV Funding LLC / Resurgent Capital has not provided the chain of title or assignment agreement as required under UCC 9-210 for proof of lawful ownership. 
DAMAGES & IMPACT The continued false reporting of this account has lowered my credit score, damaged my reputation, and caused denial of credit opportunities. This demonstrates willful negligence and disregard for compliance with FCRA and FDCPA obligations.

DEMAND FOR RELIEF I request that the Consumer Financial Protection Bureau investigate LVNV Funding LLC / Resurgent Capital for its repeated violations and order the immediate deletion of this account from all credit bureaus. Additionally, LVNV Funding LLC / Resurgent Capital should be required to produce all documents used for verification, including : - Signed contract with my signature - Complete payment history - Assignment/chain of title from XXXX XXXX XXXX XXXX XXXX  to current collector Failure to comply will result in my pursuit of civil litigation for damages under 15 U.S.C.

1681n, 1681o, and 1692k for willful and negligent noncompliance. The continued reporting of unverified data is outrageous and unacceptable under federal law.

Company response to consumer: Closed with explanation