Consumer complaint received 2026-05-19 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: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am formally disputing your response regarding the alleged account referenced in your correspondence dated XX/XX/year>. Your response fails to provide competent evidence that validates the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX compliance standards. Your letter merely contains generalized statements and conclusory assertions without providing sufficient documentary evidence establishing : 1. A complete chain of title proving LVNV Funding LLC has lawful ownership of the alleged account ; 2. A signed contract or agreement bearing my signature ; 3. A complete payment history and accounting of the alleged balance ; 4. Evidence that the amount reported is accurate and legally collectible ; 5. Proof that all data furnished to consumer reporting agencies is complete, verifiable, and compliant with XXXX XXXX reporting requirements. You state that you are not obligated to provide the purchase and sale agreement. However, under the FCRA, you are legally obligated to conduct a reasonable investigation and report only information that is fully verifiable and accurate. Unsupported internal records and generic account summaries do not constitute competent evidence of verification. Additionally, your response admits the account is being reported as disputed only during the next reporting cycle. Failure to promptly and accurately mark an account as disputed may constitute a violation of FCRA 623 ( a ) ( 3 ). Furthermore, please note : - Under FCRA 611 ( a ), all information reported must be verified through a reasonable investigation. - Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information known to be inaccurate. - Under FDCPA 809 ( b ), collection activity must cease until proper validation is provided. - Under XXXX XXXX compliance standards, furnishers must report accurate dates, balances, account status codes, and dispute indicators. At this time, you have failed to provide sufficient evidence establishing : - contractual liability, - lawful ownership, - complete account accuracy, - or proper reporting compliance. Accordingly, I demand the following immediately : XXXX. Permanent deletion of all tradelines associated with this account from all consumer reporting agencies ; 2. Cessation of all collection activity ; 3. Written confirmation of deletion and closure ; 4. Copies of all documents relied upon during your investigation, including : - original signed agreement, - complete account statements, - complete chain of assignment, - and documentation supporting the reported balance. If you continue reporting this account without competent verification, I reserve all rights to pursue complaints and legal remedies available under the FCRA, FDCPA, and applicable state consumer protection laws, including claims for negligent or willful noncompliance. This letter serves as formal notice that I dispute the validity, accuracy, completeness, and legal enforceability of the alleged debt in its entirety. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief