Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Consumer Complaint / Demand for Deletion Against : XXXX XXXX XXXX Filed by : XXXX XXXX XXXX Complainant Information Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former Address ( at time of original dispute ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX LVNV Funding LLC ( collection agency / debt buyer ) Address XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Account Number : XXXX Collection Opened : XX/XX/XXXX Amount Reported : {$660.00} Last Updated on Credit Bureaus : XX/XX/XXXX Background / Timeline On XX/XX/XXXX, while residing at XXXX XXXX XXXX XXXX Apt XXXX, I sent XXXX a XXXX Validation / Dispute letter ( delivered XXXX ) under the FDCPA. 

I requested : original creditor details, itemized accounting, signed contract/agreement, complete chain of title ( assignment/bill of sale ), and proof LVNV is legally entitled to collect. I also demanded they cease collection and communicate by mail only until validation was provided. 

I subsequently moved to XXXX XXXX XXXX XXXX Apt XXXX, which is my current address for all correspondence. 

Despite my timely written dispute, LVNV ( or its agents ) continued furnishing and updating the tradeline, most recently XX/XX/XXXX, without mailing validation. 

If the debt can not be validated, it must not continue to be updated or reported ; any continued furnishing must at minimum reflect the consumer dispute. 

Laws Violated FDCPA ( Fair Debt Collection Practices Act ) 15 U.S.C. 1692g ( b ) Collector must cease collection after a timely written dispute until verification is mailed. Continuing to report/update during this period is collection activity without validation.

15 U.S.C. 1692e ( 8 ) Prohibits communicating false credit information, including failure to communicate that a disputed debt is disputed.

FCRA ( Fair Credit Reporting Act ) & Regulation V 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ( b ) ) Upon CRA dispute notice, a furnisher must reasonably investigate, review all relevant information, and correct or delete any information that is inaccurate or can not be verified.

15 U.S.C. 1681i ( FCRA 611 ) CRAs must delete or modify items that are inaccurate, incomplete, or unverifiable after reinvestigation.

12 C.F.R. 1022.43 ( Regulation V ) For direct disputes, a furnisher must conduct a reasonable investigation and respond ; if deeming a dispute frivolous, it must notify the consumer with reasons within XXXX business days. No such notice was received. 

Evidence Copy of my XX/XX/XXXX validation/dispute letter to XXXX ( delivered XXXX ). 

Certified-mail receipts/ proof of delivery. 

Credit report pages showing LVNV tradeline and last update XX/XX/XXXX. 

No mailed validation from XXXX. 

Proof of address change ( to show continuity of identity ). 

XXXX XXXX XXXX cessation of reporting/updating this account unless and until full validation is mailed to my current address. 

If XXXX can not validate, instruct XXXX XXXX and Equifax to delete the tradeline pursuant to FCRA XXXX and XXXX ( b ). 

XXXX  the tradeline is clearly marked disputed by consumer for any past and future furnishing. 

Provide a written report of LVNVs investigation, copies of all documents relied upon ( original creditor info, complete chain of title, itemized ledger, signed agreement ), and identify any servicer/affiliate ( e.g., XXXX XXXX XXXX XXXX XXXX. 

Confirm in writing the corrections/deletions transmitted to each CRA. 

Conclusion LVNV Funding LLC failed to comply with its obligations under the FDCPA and FCRA by continuing credit reporting/updates after a timely written dispute without mailing verification, and by failing to appropriately investigate and correct/delete unverifiable information. I am seeking full enforcement and correction via the CFPB, the Arizona Attorney General, and any other relevant regulators. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX | XXXX XXXX

Company response to consumer: Closed with explanation