Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Re : Dispute of Collection Agencys Violation of My Consumer Rights Dear Sir/Madam, I am writing to formally dispute a collection account on my credit report that has been reported by LVNV FUNDING LLC XXXX I believe that this collection agency has violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other related consumer protection regulations. 
1. Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation of the debt within a reasonable time after I requested it. Despite this, I have not received the necessary validation information. The collection account was placed on my consumer report without any disclosure of this required information, which is a direct v

iolation of my rights under the law. 2. Failure to Allow Opportunity for Dispute (
12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : As per 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I am entitled to dispute the account, and the collection agency must give me the opportunity to do so before reporting it to any consumer reporting agencies. I was not provided the proper opportunity to dispute this account, and as a result, the account was incorrectly reported on my consumer report.

3. Use of False, Misleading, and Deceptive Practices : The actions of LVNV FUNDING LLC amount to false, misleading, and deceptive practices in violation of consumer protection laws. The collection agency has not provided the necessary information or documentation to substantiate the debt and, as such, their continued attempts to collect on and report the account to the credit bureaus are misleading and deceptive. 
4. Unauthorized Furnishing of Information to Credit Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to report this debt to the credit reporting agencies without providing all required disclosures. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they must disclose information to the credit bureaus in accordance with the law. The failure to provide proper validation and documentation makes their actions unlawful and a violation of my rights as a consumer. 
Request for Action : I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against LVNV FUNDING LLC for their violations of the law. Specifically, I request the following : Immediate removal of the collection account from my consumer report until the collection agency provides proper validation of the debt and ensures full compliance with all disclosure requirements. 
That LVNV FUNDING LLC be instructed to cease all collection activities and reporting on this debt unless and until they provide the necessary information to substantiate the debt in compliance with applicable laws. 
That the collection agency provide a written response to me confirming their compliance with my consumer rights. 
Please inform me of any further steps I must take to resolve this issue. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation