Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
Subject : Formal FCRA and FDCPA Complaint LVNV Funding LLC / XXXX XXXX XXXX  Account Reporting Inaccurately To Whom It May Concern, I am submitting a formal dispute and complaint against LVNV Funding LLC and Resurgent Capital Services for their reporting of an account originally associated with XXXXXXXX XXXX XXXX XXXX  This account is currently listed on my XXXX credit report as a collection in the amount of {$1200.00}, with a past due status of XX/XX/XXXX. The accounXXXX XXXX XXXX 


After careful review of both the reporting and the documentation provided to me by Resurgent Capital Services, I am requesting immediate deletion of this account for the following reasons, all of which constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 1. Re-Aging and Misleading Reporting The original account with XXXX XXXXXXXX XXXX was charged off on XX/XX/XXXX, and no payments have been made since XX/XX/XXXX. However, the tradeline is reported as past due as of XX/XX/XXXX and shows a balance update of XX/XX/XXXX, despite my report being pulled XX/XX/XXXX. 

This constitutes an attempt to re-age the account and make the debt appear current, misleading both consumers and lenders. This directly violates FCRA 605 ( c ) which prohibits re-aging and requires accurate aging of charged-off debts for fair reporting. The XXXX past due status is clearly an effort to extend the accounts reporting life and misrepresent its status. 



2. Inadequate Validation of Debt In response to my dispute, Resurgent Capital Services mailed me a packet claiming to provide debt validation. However, the only documentation included was : A single billing statement from XXXX XXXXXXXX XXXX dated XX/XX/XXXX A summary page created by Resurgent A generic ownership history chart listing multiple entities but lacking original transfer documentation This does not meet the legal standard of debt validation under FDCPA 809, as it fails to provide : A signed agreement showing that I legally owe this debt An itemized breakdown showing how the balance increased from {$910.00} to {$1200.00} Any legal proof of transfer or ownership between XXXX XXXXXXXX XXXX and LVNV Funding LLC A contract or record demonstrating LVNVs legal right to collect and report this debt Without proper validation, continued reporting and collection efforts violate both FDCPA and FCRA regulations. 



3. Incomplete and Inaccurate Credit Reporting The Experian tradeline omits critical information, including : Monthly payment terms Complete payment history Accurate last payment activity Clear reporting of the charge-off date ( XX/XX/XXXX ) versus the updated status ( XX/XX/XXXX ) According to FCRA 607 ( b ), information furnished to credit reporting agencies must be complete and accurate. This account is neither, and therefore should not be allowed to remain on my file.

4. Pattern of Problematic Behavior This is the second account ( out of 4 total ) that I have disputed involving LVNV Funding LLC and Resurgent Capital Services, where they have provided similar inadequate validation and inaccurate reporting. This points to a pattern of potentially unlawful credit reporting behavior that requires further review.

5. Consumer Harm This reporting is misleading lenders, inflating my debt burden, and damaging my credit profile. The artificial freshness of this account is blocking financial opportunities and constitutes unfair credit practices. The account is being presented as a current collection despite being charged off and inactive for nearly five years.

Requested Action In accordance with the FCRA and FDCPA, I am requesting : Immediate deletion of this unverifiable and misleading collection account from all credit reporting agencies A full review and investigation of the documentation and reporting practices of LVNV Funding LLC and Resurgent Capital Services Written confirmation of this accounts removal or the outcome of the investigation I have attached the following documents for your review : The original dispute response package sent by Resurgent Capital Services Screenshots of the XXXX credit reporting entry showing XX/XX/XXXX status A copy of my government-issued ID and proof of current address This inaccurate reporting is negatively impacting my credit profile and ability to access financial opportunities. I am requesting the CFPB review this account as part of a broader pattern of inconsistent and potentially unlawful reporting practices by LVNV Funding LLC and Resurgent Capital Services.

Thank you for your time and attention. I look forward to your investigation and resolution in accordance with federal consumer protection law.

Company response to consumer: Closed with explanation