Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : [ ] XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Second Notice Formal Demand & Complaint Against XXXX for Inaccurate and Unlawful Reporting To Whom It May Concern, This letter serves as my second formal demand and complaint against XXXX  for its continued and unlawful reporting of inaccurate, unverifiable, and misleading information on my credit file. Despite my prior dispute, XXXX  has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, I filed a complaint through the CFPB website under complaint number XXXX. Following that filing, XXXX XXXX XXXX removed the disputed accounts from their reporting after reinvestigation. However, XXXX has refused to take the same corrective action and continues to report inaccurate and fraudulent information. 

Specifically : LVNV Funding LLC is still being reported by XXXX XXXX XXXX XXXX XXXX XXXX have already removed it. 

The response to my prior complaint was made by Resurgent Capital Services, a company that is not even reporting on my credit file, which raises serious concerns about who actually owns this alleged debt and whether this is fraudulent reporting.

XXXX is currently reporting two different balances from the same companyone for {$820.00} and another for $ XXXXwhich is contradictory, inaccurate, and unlawful.

XXXX is also still reporting payment history on this alleged debt, which is improper and misleading reporting under the FCRA.

XXXX  is in clear violation of the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Requires reasonable procedures to assure maximum possible accuracy in consumer credit reports.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of information that is found to be inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to a consumer reporting
agency that is known to be inaccurate.

15 U.S.C. 1681n : Holds consumer reporting agencies liable for willful noncompliance with the FCRA, including statutory, actual, and punitive damages plus attorneys fees.

15 U.S.C. 1681o : Holds consumer reporting agencies liable for negligent noncompliance with the FCRA, including actual damages and attorneys fees.

Because XXXX XXXX XXXX  have already removed these accounts, XXXX refusal to do the same is not only a violation of federal law but also evidence of willful noncompliance. The conflicting balances and improper payment history reporting only further prove that the information is inaccurate, incomplete, and unverifiable. 

I am demanding the immediate deletion of the LVNV Funding LLC accounts and all associated reporting from my XXXX credit file. If XXXX continues to willfully or negligently report this fraudulent, inaccurate, and misleading information, I will escalate further by pursuing legal action for damages under the FCRA. 

I am requesting the CFPB hold XXXX accountable for these violations and compel immediate deletion of these inaccurate accounts to ensure compliance and reporting accuracy across all credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX

Company response to consumer: Closed with explanation