Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC is reporting a derogatory collection account on my consumer credit reports that is inaccurate, unverified, unsupported by documentation, and being continued without proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and validation requests submitted directly to the credit reporting agencies and to LVNV Funding LLC itself, this company has failed to provide the legally required verification of the alleged debt, the chain of assignment, the original creditor documentation, or any records showing that the debt is actually mine or that they have the legal right to collect or furnish this information. 

In summary, LVNV Funding LLC is furnishing information that remains unvalidated, unverified, unsupported, and potentially unlawful, causing significant harm to my credit standing. I am requesting CFPB assistance because all reasonable attempts to resolve this directly have been ignored or improperly handled.

1. Description of the Problem LVNV Funding LLC is reporting a collection account in the amount of {$510.00}. The tradeline appears as a derogatory collection/charge-off account, reported as past due and with no supporting information identifying the original creditor, the date of assignment, the legal authorization to collect, or verification proving ownership of the alleged debt. 

This account appears on my consumer credit file without : The original creditor name The original contract or agreement Proof of any relationship between me and the alleged creditor A chain of title proving legal ownership An itemized accounting of the amount being claimed Any documentation validating that LVNV Funding LLC purchased or was assigned this debt None of this information has ever been produced, despite multiple written requests. LVNV Fundings failure to validate and its continued reporting of the account constitute a violation of the FDCPA and FCRA.

2. Timeline of Events and Actions Taken A. Discovery of the LVNV Funding Account I first discovered the LVNV Funding LLC tradeline on my consumer credit reports when reviewing them for accuracy. The account was marked as derogatory and listed as a collection/charge-off. The reporting included negative indicators that immediately harmed my creditworthiness.

B. Initial Disputes to Credit Bureaus I disputed the LVNV Funding account with each of the credit reporting agencies, requesting : A full reinvestigation Verification from the furnisher The method of verification Documentation supporting the debt Clarification regarding legal ownership I explicitly cited FCRA requirements for maximum possible accuracy and reasonable reinvestigation.

C. Bureau Responses Within days, each bureau returned an automated statement : The furnishers verified that the information is accurate.

However : No documentation was provided No proof of investigation was provided No explanation of the method of verification was provided No original contract, statements, or transfer documents were provided Given the speed of the response, it was highly unlikely that any bureau conducted a meaningful reinvestigation. Instead, they appeared to rely solely on automated e-OSCAR responses from LVNV Funding.

D. Direct Validation Requests to LVNV Funding LLC After receiving unsatisfactory responses from the bureaus, I submitted written requests directly to LVNV Funding LLC, asking for : Validation of the debt under FDCPA 809 ( b ) The name of the original creditor A copy of the original signed contract or agreement A complete itemized accounting Proof that LVNV Funding LLC legally owns the debt The chain of custody or assignment history Details regarding how they calculated the balance Under federal law, a collector can not continue collection or reporting activities without validating the debt when requested.

E. LVNV Fundings Failure to Respond LVNV Funding LLC failed to provide : ANY validation ANY documentation ANY breakdown of the amount claimed ANY proof of assignment ANY original creditor records ANY chain-of-title records ANY response acknowledging the request Instead, LVNV Funding LLC : Continued to report the account Continued to furnish the information as derogatory Continued collection and credit reporting activity without validation This is a direct violation of FDCPA 809 ( b ), which requires debt collectors to cease collection and reporting until the debt is validated.

3. Violations of Federal Law A. Violations of FDCPA 809 ( b ) Under FDCPA 809 ( b ), once a consumer requests validation : The collector MUST cease collection.

The collector MUST cease reporting.

The collector MUST provide validation.

LVNV provided none of these. They continued reporting the account despite failing to validate.

B. Violations of FDCPA 807 ( 8 ) It is a deceptive practice to : Communicate false or unverified credit information Fail to mark an account as disputed Report an invalid, unproven, or undocumented debt LVNV Fundings refusal to provide validation while continuing to report the account constitutes false representation.

C. Violations of FCRA 607 ( b ) ( Maximum Possible Accuracy ) A debt buyer can not lawfully report a debt without proof of ownership and accuracy. LVNV Funding has not shown : That the account belongs to me That the amount is correct That the debt is legally collectible That they have proper assignment or ownership Without this, the reporting is not accurate.

D. Violations of FCRA 611 ( a ) ( Reinvestigation Requirements ) During bureau disputes, LVNV Funding failed to : Provide documentary evidence Provide a meaningful response Conduct a reasonable reinvestigation Support their claims with documentation Instead, the bureaus relied on automated responses from LVNV, which is not permissible under federal reinvestigation rules.

E. Violations of CFPB and FTC Regulatory Guidance Both agencies have issued guidance warning that : Furnishers must maintain documentation Automated responses are insufficient Debt buyers often report unverifiable debts Furnishing without verification is unlawful LVNVs actions align with known patterns of non-compliance among debt buyers.

4. Why the Account Is Unverifiable and Should Not Be Reported LVNV Funding LLC is a debt buyer that often acquires massive portfolios of old, incomplete, or expired debts in bulk. These portfolios frequently lack : Contracts Statements Itemization Chain-of-title records Consumer communications Payment histories Despite this, LVNV Funding continues to report the accounts to the credit bureaus as if the information were accurate and complete.

In this specific case : LVNV Funding has never produced proof of ownership.

LVNV Funding has never provided the name of the original creditor.

LVNV Funding has never supplied an itemized accounting.

LVNV Funding has never produced a signed agreement.

LVNV Funding has never demonstrated that the debt is valid or owed.

Without these documents, the account can not legally be verified or reported.

5. Harm Caused by LVNV Funding LLCs Conduct Because of LVNV Fundings failure to validate the debt and continued reporting : My credit score has been significantly lowered.

I have been denied financing opportunities.

I have received higher interest rates.

My creditworthiness has been reduced.

I have experienced emotional and financial stress.

I have spent significant time disputing an account that LVNV has never substantiated.

This harm is ongoing and continues every month the account is reported.

6. My Requests for Fair Resolution I am not seeking anything outside of what federal law already requires.

A fair resolution must include : 1. Full deletion of the LVNV Funding LLC account from all credit bureaus because the debt has never been validated.

2. Written confirmation of deletion from all three credit reporting agencies.

3. Written confirmation from LVNV Funding LLC that : They have ceased reporting the account.

They will not reinsert the account without full documentation.

4. A requirement that any future reporting complies with FCRA 611 ( a ) ( 5 ) ( B ) If LVNV attempts to reinsert the account : They must provide certification of accuracy.

The bureaus must notify me within five business days.

5. Assurance that LVNV Funding updates the account as disputed which they have failed to do.

6. Review of LVNV Fundings verification procedures to ensure compliance with CFPB debt collection and furnishing laws.

7. Why CFPB Intervention Is Necessary I have exhausted all normal consumer dispute processes. LVNV Funding LLC has ignored : Validation requests Documentation requests Requests for assignment records Requests for proof of ownership Reinvestigation obligations FDCPA requirements to cease reporting FCRA documentation standards The credit bureaus continue to accept LVNVs automated verified responses even though LVNV has never validated the debt. This ongoing inaccuracy can only be resolved through CFPB intervention.

LVNV Funding LLC has a documented history of failing to validate debts and continuing to report unverified information, making regulatory oversight especially important.

8. Conclusion In closing, LVNV Funding LLC is reporting a derogatory collection account that they have never validated, never substantiated, never documented, and have continuously reported after multiple disputes.

Their actions violate : FDCPA 809 ( b ) FDCPA 807 ( 8 ) FCRA 607 ( b ) FCRA 611 ( a ) CFPB compliance bulletins FTC debt collection standards I am requesting that the Consumer Financial Protection Bureau intervene to require : Full validation of the account using original documentation, OR Full deletion of the account if validation can not be produced.

Given LVNV Fundings consistent refusal to provide any documentation, the only lawful outcome is deletion.

I respectfully request that the CFPB review this matter and require LVNV Funding LLC to comply with all obligations under federal consumer protection laws. The continued reporting of an unvalidated debt has caused and continues to cause significant financial and emotional harm, and I am seeking a fair and lawful resolution consistent with federal consumer protection statutes.

Company response to consumer: Closed with non-monetary relief