Consumer complaint received 2026-05-27 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: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding a XXXX XXXXXXXX account that LVNV Funding LLC is reporting and attempting to collect, with Resurgent Capital Services acting as servicer. I submitted a written request for validation regarding this alleged debt. My request was not a general request for a balance summary. I specifically requested documents proving the debt, the balance, my legal obligation, LVNV Funding LLCs ownership of the account, the complete chain of assignment, and Resurgent/LVNVs authority to collect and report this account to the consumer reporting agencies. Although I received a response, the documents provided do not sufficiently validate the account. The response did not include a signed agreement or contract connected to this specific account. It did not include complete account-level ownership documentation. It did not include a complete chain of assignment showing how this specific XXXX XXXXXXXX account was transferred from the original creditor to LVNV Funding LLC. It did not include a full payment history or a complete itemization showing how the balance being reported was calculated. A generic statement, balance summary, or partial packet does not prove ownership, legal obligation, balance accuracy, chain of title, or authority to furnish this account to XXXX XXXX XXXX XXXX The issue is not simply that LVNV/Resurgent responded. The issue is that their response was incomplete and does not prove the key facts needed to continue collecting and reporting this account as accurate. LVNV/Resurgent has not provided : A signed agreement or contract connected to this specific XXXX XXXXXXXX account ; A complete itemized accounting of the balance ; A full payment history showing how the balance was calculated ; A complete chain of assignment from XXXX XXXXXXXX XXXX LVNV Funding LLC ; Account-level transfer documentation showing this specific account was included in any sale or assignment ; A bill of sale or assignment connecting this exact account to LVNV Funding LLC ; Proof that the balance transferred accurately ; Proof that Resurgent has authority to collect on behalf of LVNV Funding LLC ; Proof that LVNV/Resurgent has authority to furnish this account to XXXX XXXX XXXX XXXX XXXX Despite failing to provide complete validation, this account continues to be reported and updated on my credit reports as accurate and verified. That is misleading because the documents provided do not prove the account is accurate, owned by LVNV, legally collectible, or properly reportable. I am also receiving collection communications from another third-party entity, XXXX XXXX XXXX XXXX this same alleged debt. This raises additional concerns regarding who currently has authority to collect, who is controlling the account, whether the account has been assigned or placed with another collector, and whether the credit reporting by LVNV/Resurgent remains accurate and properly supported. If LVNV Funding LLC owns and reports the account, and Resurgent is servicing it, but XXXX XXXX is also contacting me regarding the same account, then LVNV/Resurgent should be able to clearly prove the authority chain and explain each companys role. Without that, the continued collection and reporting activity creates confusion and raises concerns about ownership, placement, authority to collect, and authority to report. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. LVNV/Resurgent has not provided complete verification proving ownership, balance accuracy, legal obligation, and authority, yet the account continues to be treated as collectible and reportable. This also raises concerns under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Continuing to represent this account as valid, accurate, collectible, and reportable without complete validation is misleading. It also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because LVNV/Resurgent is representing the character, amount, and legal status of a debt that has not been properly supported by complete documentation. This further raises concerns under 15 U.S.C. 1692f ( 1 ) because a debt collector may not collect any amount unless that amount is authorized by the agreement creating the debt or permitted by law. LVNV/Resurgent has not provided the signed agreement, complete itemization, payment history, or account-level documentation showing the amount being collected is authorized and accurate. Because LVNV/Resurgent is furnishing this account to consumer reporting agencies, the company also has duties as a furnisher under the Fair Credit Reporting Act. After a dispute is made through the credit reporting agencies, a furnisher must conduct a reasonable investigation and correct, delete, or modify information that is inaccurate, incomplete, or unverifiable under 15 U.S.C. 1681s-2 ( b ). The continued reporting of this account without complete validation, complete chain of title, account-level transfer documentation, itemized balance, and proof of authority to report raises serious concerns about whether LVNV/Resurgent is furnishing accurate and complete information. I am requesting that LVNV Funding LLC and Resurgent Capital Services provide a direct, account-specific response. A generic statement that the account was reviewed or verified is not enough. I want them to identify the exact documents reviewed, explain how the balance was calculated, prove LVNVs ownership of this specific XXXX XXXXXXXX account, provide the complete chain of assignment, and explain XXXX XXXX role in collecting this same alleged debt. If LVNV/Resurgent can not provide complete documentation proving this account is accurate, legally owed, owned by LVNV Funding LLC , properly assigned, and lawfully reportable, then this account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation