Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
* * Consumer Financial Protection Bureau XXXX * * * * Company : * * LVNV Funding LLC * * Balance Reported : * * {$730.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * XXXX XXXX XXXX, XXXX. * * Remarks : * * Placed for Collection * * Complaint * * I am filing this complaint against LVNV Funding LLC regarding a collection account being reported on my consumer credit reports. LVNV Funding LLC is reporting a collection account with a balance of {$730.00} allegedly originating from XXXX XXXX XXXX, XXXX. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and review all relevant information upon receiving notice of a dispute. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts and must maintain sufficient documentation to validate debts they seek to collect or report. As a debt buyer, LVNV Funding LLC must be able to demonstrate ownership of the alleged debt and provide documentation supporting the amount being reported. I have not been provided with sufficient documentation establishing the validity of the debt, the accuracy of the balance, or LVNV Funding LLC 's legal authority to collect and report this account. I request that LVNV Funding LLC provide : XXXX. A copy of the original XXXX XXXX XXXX agreement or account documents creating the alleged obligation. XXXX. Documentation proving I am legally responsible for the debt. XXXX. Documentation establishing LVNV Funding LLC 's ownership of the account or authority to collect it. XXXX. The complete chain of assignment, transfer, or sale from XXXX XXXX XXXX to LVNV Funding LLC. XXXX. A complete payment history and accounting supporting the reported balance of {$730.00}. XXXX. Documentation establishing the date of first delinquency. XXXX. Documentation demonstrating that the amount being reported is accurate and supported by business records. XXXX. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. XXXX. Copies of any records used to verify the account during prior dispute investigations. The Consumer Financial Protection Bureau has emphasized that debt buyers and debt collectors must maintain sufficient records to support the accuracy and integrity of information furnished to consumer reporting agencies. If LVNV Funding LLC can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that LVNV Funding LLC conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation