Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , L.P . 

LVNV Funding LLC Complaint Summary I am filing this complaint regarding unlawful debt collection and credit reporting practices by Resurgent Capital Services, L.P. and LVNV Funding LLC. 

Despite timely written disputes and formal validation demands, these companies have failed to provide legally sufficient debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and have continued collection activity and credit reporting in violation of federal law. 

Detailed Description of the Problem I disputed several alleged debts that Resurgent Capital Services claims to manage on behalf of LVNV Funding LLC, allegedly originating from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/year>, I sent Resurgent Capital Services a formal written demand for debt validation ( attached ), expressly disputing the debts and invoking my rights under 15 U.S.C. 1692g ( b ). In that letter, I demanded : A copy of the original, executed contract or agreement bearing my signature A complete itemized accounting of the alleged balances Documentary proof of ownership, including the full chain of assignment from the original creditor to LVNV Funding LLC Proof that the debts are legally enforceable and not time-barred Proof that Resurgent Capital Services is authorized and licensed to collect in my state Instead of providing this information, Resurgent and LVNV responded only with internally generated account summaries, billing statements, and generic printouts. These documents do not constitute lawful validation under the FDCPA and fail to establish : That I owe the alleged debts That LVNV Funding LLC owns the accounts That Resurgent has authority to collect Despite this failure, Resurgent/LVNV have continued collection efforts and have reported or maintained reporting of these accounts to consumer reporting agencies, which is prohibited once a debt is disputed and validation has not been provided. 

Laws and Regulations Violated Based on the conduct described above, the companies appear to be in violation of : FDCPA, 15 U.S.C. 1692g ( b ) Continuing collection activity without providing proper validation after a timely dispute FDCPA, 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be disputed or failing to communicate that a debt is disputed FDCPA, 15 U.S.C. 1692d Harassing and abusive conduct through continued collection without legal basis FCRA, 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information FCRA, 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute Harm to Consumer As a result of these violations : My credit reports have been damaged by unverified and disputed tradelines I have been subjected to continued collection pressure without legal proof I have spent significant time and effort responding to improper and deficient communications

Company response to consumer: Closed with non-monetary relief