Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
Attention : Registered Agent To : BUSINESS ENTITY THAT IS AUTHORIZED TO TRANSACT BUSINESS LVNV FUNDING LLC From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Notice of Intent to FILE Lawsuit To Whom It May Concern This alleged account # XXXX is not my account and I will not pay this account. 

Let this letter serve as a formal notice of my Intent to file a Lawsuit against your Company LVNV FUNDING LLC due to your blatant disregard and violation of the FCRA laws. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain personal credit for household purposes.

Please Note : [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. Id. ( citing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have experienced emotional, character, and economic loss due to LVNV FUNDING LLC and I will be seeking punitive and monetary restitution which will include any Applicable Attorney Fees as such. This account was disputed on all XXXX credit reporting agencies and Deleted by XXXX and XXXX ; however, XXXX XXXX XXXX XXXX is still verifying on XXXX. This is ridiculous and a violation of my rights! 
Violations of my Rights to Privacy : 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I have a right to privacy. I need granted LVNV FUNDING LLC to report my information to any credit bureau.

Violations of my Rights to have credit report free of any errors or commissions : 15 U.S. Code 1681- Congressional findings and statement of purpose which states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Accurate and correct in all detail, exactly free from error especially as the result of care LVNV FUNDING LLC has violated law and repeatedly reported inaccurate and incomplete information on my account for months.

Violations of 15 U.S. Code 1681a - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. LVNV FUNDING LLC has repeated this account as late ; II never had a payment schedule with this company and it is a collection from a charged-off debt and with a charged-off account there is no expected date of payment. Why? Because it is a charged-off account. However, LVNV FUNDING LLC has been deceptively and maliciously reporting this account late on my credit report because it is on my account and is like a late CHARGE hitting my account each month. This is hurting my credit score and making it almost impossible for my credit score to improve. LVNV FUNDING LLC is practicing Debt Parking purposely on my credit report.

3 ). LVNV FUNDING LLC has repeatedly reported this account XXXX late every month. This is a charge-off account that can not be reported as late because IT IS A CHARGED-OFF ACCOUNT. It is a Charge off account and a Charged off account can not be reported as late. ; however, LVNV FUNDING LLC repeatedly reports this account XXXX as late on my credit report every month. LVNV FUNDING LLC has been repeatedly dinging and reporting this account XXXX every month to further malign and damage my credit account. These are malicious and fraudulent acts that are being committed against me and my character. 
( A ) Reporting information with actual knowledge of errors if a violation of FCRA. 
I demand this account be removed immediately from my credit report and submit a remittance in the amount of XXXX per violation of my FCRA rights.

Company response to consumer: Closed with explanation