Consumer complaint received 2025-07-17 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: WY

Complaint narrative:
I am submitting this complaint to report LVNV Funding LLC for persistent, unlawful, and materially damaging conduct in connection with their reporting and handling of a disputed and potentially fraudulent tradeline. Their actions ranging from negligent data furnishing to refusal to investigate, validate, or delete constitute clear violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ). I have exhausted all reasonable private remedies and now seek federal enforcement. 

On XX/XX/year>, I submitted a notarized FTC Identity Theft Affidavit, valid government-issued ID, and proof of residency. I formally disputed the LVNV Funding tradeline with XXXX XXXX XXXX XXXX  under FCRA 1681c-2, which mandates that identity theft-related accounts be blocked from credit reports within four business days. That deadline was ignored. The account remains visible to third partiesmarked closed, yet still derogatory, and still damaging. 

On XX/XX/year>, I mailed a comprehensive Request for Information ( RQI ) directly to LVNV Funding LLC. I lawfully demanded validation documents including : the original credit application bearing my signature, full chain of assignment, Forward Flow and Purchase Agreements, billing statements, and any Metro2 compliance records supporting the accuracy of their reporting. No response was ever received. They continue reporting an unverified debt while ignoring lawful requestsa direct violation of FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). 

To resolve the matter without escalation, I also filed a XXXX XXXX XXXX XXXX XXXX XXXX complaint. LVNVs servicer, Resurgent Capital Services, responded that they were not obligated to provide documentation such as the Purchase or Forward Flow Agreements. They supplied only a generic summarysomething federal courts have ruled insufficient for legal validation ( XXXX XXXX XXXX ). They then demanded a police report, despite my already submitted and valid FTC affidavit, which is fully accepted under FCRA 1681c-2 and FTC guidelines .

The XXXX  closed the case as : Answered the business addressed the issues within the complaint, but the consumer remains dissatisfied.

That language captures the reality : LVNV failed to ethically or legally resolve this matter. Despite multiple disputes, legal notices, and federal affidavits, LVNV Funding LLC continues to report and collect on a disputed, potentially fraudulent debt without lawful validation. They have not produced a single document establishing the origin, ownership, or legitimacy of the debt in question. 

Their refusal to validate while continuing to furnish negative data constitutes coercive debt collection under FDCPA 809 ( b ) and a willful breach of FCRA 1681e ( b ). Their behavior is not only noncompliantit is deceptive, abusive, and materially harmful.

LVNVs conduct violates the following statutes : FCRA 1681c-2 Failure to block identity theft tradeline FCRA 1681b Lack of permissible purpose FCRA 1681e ( b ) Reporting unverifiable or inaccurate data FCRA 1681s-2 ( b ) Failure to investigate after consumer dispute FCRA 609 ( a ) Denial of access to full reporting file FDCPA 809 ( b ) Refusal to validate after written demand FDCPA 805 ( b ) Reporting post-dispute = unauthorized 3rd-party communication GLBA 68016809 Mishandling of private consumer data As a result, I have suffered emotional distress, reputational injury, and procedural obstruction. I have invested substantial time and effort attempting to correct information that should have been deleted immediately under federal law. Closed is not compliance. Silence is not validation. And coercion is not consent. 

I am requesting immediate CFPB intervention, investigation, enforcement, and full deletion of this tradeline from all CRAs.

Company response to consumer: Closed with non-monetary relief