Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney Generals Office Subject : Formal Complaint Against Resurgent / LVNV Funding, XXXX Address : P.O. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ________________________________________ Dear Sir or Madam, I am filing this formal complaint regarding unlawful credit reporting and debt collection practices by Resurgent / LVNV Funding, XXXX and the nationwide consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX 
________________________________________ Background of Dispute Accounts in XXXX : XXXX Account XXXX. * * XXXX ID : XXXX Original Creditor : XXXX XXXX XXXX {$470.00} Resurgent Account No. * * XXXX ID : XXXX XXXX XXXX : XXXX XXXX Bank, XXXX. {$1400.00} XXXX Account XXXX. * * XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1900.00} On XX/XX/year>, I disputed these accounts with the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and requested deletion due to numerous reporting errors, including contradictory balance reporting ( e.g., showing 0 % paid off while also listing {$640.00} past due ). 
On the same date ( XX/XX/year> ), I also sent a Debt Validation Request directly to Resurgent / LVNV Funding, LLC under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting proper documentation proving the validity of these debts and their legal authority to collect.

________________________________________ Violations 1. Failure to Provide Validation ( FDCPA 1692g ( b ) ) Resurgent / LVNV Funding, LLC has failed to provide the required documentation, including an original signed agreement or proof of assignment, yet continues to report these accounts.

2. Reporting Inaccurate Information ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) The accounts continue to be reported with conflicting and misleading details ( XXXX balance vs. past due ), in violation of the FCRA prohibition on furnishing inaccurate information. 
3. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ) Despite my disputes, the credit bureaus have not corrected or deleted the accounts, showing a failure to conduct a lawful and reasonable reinvestigation.

4. Continued Collection Activity During Dispute ( FDCPA 1692g ( b ) ) Resurgent continues to report and pursue these accounts while they are under dispute, which is expressly prohibited.

5. Duplicative and Misleading Reporting ( FDCPA 1692e ) It appears Resurgent is attempting to collect on accounts already being reported under LVNV Funding, LLC, which constitutes false, deceptive, and misleading collection activity.

________________________________________ Requested Relief I respectfully request the following : Immediate deletion of all disputed accounts from XXXX XXXX XXXX XXXX 
Written confirmation that Resurgent / LVNV Funding, LLC has ceased all collection activity on these unvalidated debts.

Formal investigation into the noncompliance of both Resurgent / LVNV Funding, LLC and the consumer reporting agencies regarding violations of the FDCPA and FCRA.

________________________________________ Enclosures : Copies of my dispute letters to Experian, Equifax, and TransUnion Debt validation request to Resurgent / LVNV Funding, LLC ________________________________________ Conclusion I respectfully request that your offices take immediate action to enforce compliance with federal law and ensure that this unlawful reporting and collection activity ceases immediately.

Company response to consumer: Closed with explanation