Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : LVNV FUNDING LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with Metro 2 data furnishing standards and federal law.

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data Industry Associations Metro 2 Reporting Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 



Creditors Name : LVNV FUNDING LLC Account Number : XXXX XXXX XXXX  I am formally disputing the reporting of the above-referenced account. Your tradeline is inaccurate, unverifiable, and fails to meet federal reporting requirements. 

Specifically : The account remains in dispute but has not been updated with the results of any reinvestigation, as required by 15 U.S.C. 1681i.

Continuing to furnish disputed data without verification violates 15 U.S.C. 1681s-2.

Inaccurate or unverifiable data violates 15 U.S.C. 1681e ( b ).

Metro 2 guidelines require that once an account is disputed, the furnisher must certify its accuracy or remove it entirely.

Pursuant to 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), I demand immediate blocking and deletion of this tradeline from all credit reporting agencies.

Because the account appears to be reported by a debt buyer or collection agency, I am also exercising my right to request validation of the alleged debt and proof of your authority to collect or report it. Please provide the following documentation within the reinvestigation period : 1. Complete chain of assignment including all transfers of ownership, assignments, or sales demonstrating your lawful right to collect and report this account, as required under UCC 9-406.

2. Original agreement or contract a copy of the original signed agreement or other evidence that I am legally obligated for the alleged debt.

3. Detailed, itemized accounting showing how the claimed balance was calculated, including all fees, interest, credits, and payments applied.

If you are unable or unwilling to provide complete, authenticated verification of the above within the time allowed by law, you must delete this account from my credit file immediately and notify all consumer reporting agencies to which you have furnished this information.

Enclosed are my ID and proof of address for verification. Please resolve this within 30 days and provide written verification of your findings.

Please treat this as a formal demand to remove this account from all credit reports. Continued noncompliance may result in legal action under 15 U.S.C. 616617. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief