Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/year>, I sent LVNV Funding LLC ( via Resurgent Capital Services ) a certified, formal debt validation request, disputing two alleged accounts and requesting proof of ownership, a complete accounting, and documentation required under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681i ).

A copy of this dispute letter and the certified mail receipt were included in the uploaded document Despite my lawful request, the collector failed to provide : Proof of ownership or assignment from the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) A complete accounting or itemization showing how alleged balances were calculated A copy of any original signed agreement or contract bearing my signature Dates of charge-off, last payment, and original creditor addresses Instead, the collector sent form letters on XX/XX/year> and XX/XX/year> asserting only that they initiated a review and enclosing generic billing statements from XXXX  XXXX XXXX  and XXXXwhich do not demonstrate LVNVs lawful ownership of either debt, nor satisfy requirements for validation under federal law. 

These actions violate both the FDCPA and the FCRA as detailed below.

II. FEDERAL LAW VIOLATIONS A. FDCPA Violations 15 U.S.C. 1692g ( b ) Under federal law, when a consumer disputes a debt in writing : Collection activity MUST cease until proper validation is provided.

Validation must include competent evidence, not merely restated balances or statements from an unrelated entity.

The collector failed to provide : A bill of sale, purchase agreement, or assignment linking my personal account to LVNV Funding A chain of title from the original creditor An itemization of interest, fees, and charges since charge-off A signed contract or agreement Instead, they continued to engage in collection attempts and sent form responses without legally required documentation. This constitutes a clear violation of 1692g ( b ).

B. FCRA Violations 15 U.S.C. 1681i, 1681s-2 ( b ) I notified XXXX XXXX and XXXX  on XX/XX/year> ( per my dispute letter found on pages 12 of the document ) that the LVNV accounts were inaccurate. The bureaus reported the disputes to LVNV/Resurgent.

Upon receiving notice from the bureaus, LVNV was required to : Conduct a reasonable investigation Review all relevant information I provided Verify the account or request deletion Respond within the statutory time limit Instead, LVNV failed to provide any verification or proof, and continued reporting the accounts to the credit bureaus without resolving my disputes, violating : 1681s-2 ( b ) ( 1 ) ( A ) duty to investigate 1681s-2 ( b ) ( 1 ) ( B ) ( E ) duties to review, report results, correct, or delete inaccurate data 1681i ( a ) ( 1 ) ( A ) CRA obligation to complete reinvestigation within 30 days Failure to investigate while continuing to report the accounts is defined as furnishing inaccurate information under FCRA 623. 

After my certified dispute, the collector sent letters dated : XX/XX/year> XX/XX/year> These letters claim verification but lack the required proof and one of the statements has an invalid address not belonging to me, instead enclosing : A generic XXXX XXXX XXXX  billing statement ( page 4 ) A generic XXXX  statement ( not my address ) ( pages 67 ) Such documents do not constitute : Proof of legal assignment Verification of the alleged debt Proof that LVNV has any lawful right to collect A copy of the judgment or contract required under FDCPA case law ( XXXX XXXX XXXX ) Thus, the collector resumed collection activity without full validation, violating : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) false representation of debt FDCPA 1692e ( 8 ) communicating inaccurate information FDCPA 1692f unfair practices III. REQUESTED ACTION BY CFPB I respectfully request that the CFPB : Compel LVNV Funding LLC and Resurgent Capital Services to : Order the immediate removal of the disputed LVNV accounts from all three credit bureaus until full validation is produced.

I am asking the CFPB to Investigate LVNV/Resurgent for : Failure to validate under FDCPA Failure to properly investigate disputes under FCRA Continuing to furnish unverified negative credit information Require the collectors to cease all collection activity until compliance with federal law is achieved.

IV. ATTACHMENTS INCLUDED Per the uploaded document provided to XXXX, the following evidence is attached in my CFPB filing : Pages 12 : My original dispute letter demanding validation Page 2 : Certified mail receipt showing proper service to LVNV/Resurgent Pages 37 : Resurgents insufficient responses and generic billing statements These materials confirm that the collector failed to provide legal validation, continued collection activity, and did not properly respond to credit bureau disputes .

CONCLUSION LVNV Funding LLC and Resurgent Capital Services have violated my rights under federal law and continue to furnish unverified derogatory credit information. I request immediate CFPB intervention to enforce compliance, prevent further harm, and ensure removal of inaccurate or unvalidated accounts.

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX XXXX Consumer & Complainant

Company response to consumer: Closed with explanation