Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
Complaint Against LVNV Funding LLC / Resurgent Capital Services I am filing this complaint regarding inaccurate credit reporting and failure to validate an alleged debt being reported by LVNV Funding LLC, serviced by Resurgent Capital Services, related to an alleged account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$470.00}. I have made numerous attempts to resolve this issue directly with the parties involved. I have contacted XXXX ( XXXX XXXX ) multiple times in an attempt to identify the alleged account. Each time I was informed that they have no record of any account associated with my name or information. Because of this, I question the legitimacy of the debt being reported. I have also contacted LVNV Funding and Resurgent Capital Services several times to request proper documentation and verification of this alleged debt. Specifically, I have requested : Proof of ownership of the debt Full validation of the debt The complete chain of assignment or trail of debt ownership Documentation showing the original account and dates of delinquency Despite these requests, no written validation or documentation has ever been provided to me. During my conversations with representatives from LVNV Funding and Resurgent Capital Services, I was informed that this alleged debt originates from XXXX. However, LVNV Funding continues to report this account to the credit bureaus and appears to be changing the account open date on my credit report to make the debt appear newer than it actually is. Over time, the account has shown different opening dates including XXXX, then XXXX, and most recently XX/XX/XXXX. This repeated change of dates appears to be an attempt to illegally re-age the debt so that it remains on my credit report longer than legally allowed. This reporting is inaccurate and misleading, especially considering : The original creditor ( XXXX XXXX XXXX ) can not locate any such account. LVNV Funding has failed to provide proper validation of the debt despite multiple requests. LVNV Funding appears to be changing key reporting dates on the account. Because of these issues, I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this matter be investigated and that LVNV Funding and Resurgent Capital Services be required to : Provide full and proper validation of this alleged debt, including documentation from the original creditor and the complete chain of ownership, or Immediately delete this account from all credit reporting agencies due to inaccurate and unverifiable reporting. I appreciate the Consumer Financial Protection Bureau reviewing this matter and assisting in ensuring that only accurate and verifiable information is reported on my credit file. Requested Resolution : Deletion of the LVNV Funding account from all credit bureaus unless proper validation and documentation can be produced proving the debt is legitimate and accurately reported.

Company response to consumer: Closed with explanation