Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX Last Four SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL FCRA DISPUTE REQUEST FOR REINVESTIGATION AND DELETION To Whom It May Concern : I am formally disputing inaccurate, incomplete, misleading, and/or unverifiable information appearing on my consumer credit reports pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). The following accounts are disputed in their entirety : LVNV FUNDING LLC / RESURGENT CAPITAL Acct ending XXXX Acct ending XXXX Acct ending XXXX Acct ending XXXX Acct ending XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX Acct ending XXXX Acct ending XXXX These accounts are disputed due to one or more of the following : Failure to provide competent evidence of ownership Failure to provide complete chain of assignment Inaccurate balances Potential duplicate reporting Incomplete payment history Inaccurate dates of first delinquency Inability to verify through competent documentary evidence Reporting information that may be materially misleading Failure to maintain maximum possible accuracy Pursuant to 15 U.S.C. 1681i ( a ), I request a reasonable reinvestigation of these disputed accounts. Please provide : 1. Complete method of verification ; 2. Name, address, and telephone number of each furnisher contacted ; 3. Copies of all documentary evidence relied upon ; 4. Complete payment history ; 5. Documentation establishing chain of title/assignment for any debt buyer account ; 6. Verification of the Date of First Delinquency pursuant to 15 U.S.C. 1681c ( c ) ; 7. Evidence that the furnisher complied with 15 U.S.C. 1681s-2 ( b ). Please note : Debt buyers such as LVNV Funding must possess competent evidence demonstrating legal ownership and authority to furnish information. Mere automated verification through e-Oscar or computerized confirmation does not satisfy the FCRAs requirement for a reasonable reinvestigation. Further, reporting both original creditor charge-offs and collection balances in a manner that inflates or misrepresents the same debt may constitute materially misleading reporting under FCRA 1681e ( b ). RE : DEMAND FOR DOCUMENTED VERIFICATION To Whom It May Concern : I dispute the accuracy and completeness of the LVNV Funding accounts appearing on my consumer reports. As a debt buyer, LVNV Funding must possess competent admissible evidence establishing : legal ownership of the debt ; complete chain of assignment ; original signed agreement ; itemized accounting ; accurate date of first delinquency ; authority to furnish information under the FCRA. Please provide : Bill of sale Chain of assignment Original creditor statements Signed contract/application Itemized accounting ledger Proof of balance calculations Failure to provide competent documentation while continuing to furnish derogatory information may constitute violations of : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 8 ) If such documentation can not be produced, I demand deletion of the accounts from all consumer reporting agencies. If these accounts can not be fully verified through competent documentary evidence, they must be deleted immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, if any information is verified, I request all supporting documentation relied upon during the investigation process. Please complete your investigation within the statutory timeframe and provide me with updated copies of my reports. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation