Consumer complaint received 2025-10-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> To : LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Re : Debt Validation Request & Notice of Reporting Inaccuracy Account Number : Original Creditor : XXXX XXXX XXXX XXXX. 
Reported Balance : {$1900.00} Dear LVNV Funding Compliance Department, This letter serves as a formal debt validation request and notice of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Credit Reporting Resource Guide ( CRRG ). 
According to my credit file, you are reporting an alleged collection account with a balance of {$1900.00} originally from XXXX XXXX XXXX  XXXX. This account has not been verified, and I am exercising my rights under the following federal laws to request complete validation and correction of any inaccurate or incomplete data. 
1. Validation Required Under FDCPA 809 ( 15 U.S.C. 1692g ) Per FDCPA 809 ( a ) - ( b ), you are required to provide written validation of the alleged debt, including : The original signed agreement or contract creating the alleged debt.

The itemized account-level documentation showing the full balance calculation.

The chain of title and assignment, including Forward Flow Agreements and Bill ( s ) of Sale, establishing your ownership or right to collect.

The date and manner in which you acquired the alleged account.

Until full validation is provided, you are required under FDCPA 1692g ( b ) to cease all collection activity, including reporting or furnishing to any consumer reporting agency.

2. FCRA & Metro 2 / FCB Reporting Violations Under the FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ), and 1681e ( b ), furnishers must ensure that only accurate and complete information is reported to consumer reporting agencies. The tradeline currently reported by LVNV Funding contains factual inaccuracies that violate XXXX XXXX  data furnishing standards, including : Reporting a collection account with an active past-due balance, which is noncompliant for debt buyers under XXXX XXXX XXXX  XXXX XXXX since no ongoing contractual relationship exists between the consumer and the original creditor. 
Failure to mark the account as disputed ( XXXX XXXX XXXX XXXX ) as required once a dispute is received, violating FCRA 623 ( a ) ( 3 ).

Reporting a Date Opened and Status Updated that are inconsistent with the original charge-off date, misrepresenting account age and status in violation of FCRA 607 ( b ) and 611 ( a ).

These inaccuracies result in a misleading credit profile and harm to my consumer rights under both the FCRA and FDCPA.

3. Required Corrective Action Pursuant to FCRA 611 ( a ) and FDCPA 809 ( b ), I request that you : 1. Provide complete validation of the alleged debt, including chain of assignment, forward flow agreement, and account-level documentation within 30 days. 
XXXX. Correct or delete any information that can not be verified or that violates XXXX XXXX reporting standards.

3. Immediately notify all consumer reporting agencies of the disputed status, using the correct Compliance Condition Code XB.

4. Cease all reporting and collection activity until validation is complete and compliant.

4. Legal References 15 U.S.C. 1692g ( FDCPA 809 ) Validation of debts.

15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( FCRA ) Duty of furnishers to report accurately and reinvestigate. 
XXXX XXXX / FCB CRRG ( XXXX XXXX  ) Furnisher standards for debt buyers.

FCRA 611 ( a ) Consumers right to dispute inaccurate information.

If you can not fully validate the alleged debt and correct any reporting errors within the statutory timeframe, you are required by law to delete the account and cease all further reporting and collection efforts. 
Please provide your response in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation