Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
CFPB Complaint Formal Request for Regulatory Review I am filing this complaint against LVNV Funding LLC and its servicer, XXXX XXXX XXXX, for continued credit reporting and collection activity without providing legally required validation of an alleged debt. 

LVNV Funding LLC is reporting a collection account in the amount of {$47000.00} on my XXXX credit report, allegedly originating from XXXX XXXX. 

Upon receipt of collection notice, I timely sent a written dispute and request for validation via certified mail. In that correspondence, I disputed the debt in its entirety and specifically requested : A copy of the original signed agreement creating the alleged obligation A complete itemized accounting of the balance The date of first delinquency Documentation evidencing the full chain of assignment from XXXX XXXX to LVNV Funding LLC To date, LVNV Funding LLC and/or XXXX XXXX XXXX have not provided any substantive validation. 

Despite the absence of validation, LVNV has continued to report and update the account with XXXX and has represented the account as verified. Continued credit reporting and updating of a collection tradeline constitutes collection activity.

If my written dispute was timely under 15 U.S.C. 1692g ( b ), LVNVs continued reporting without mailing validation violates the FDCPAs cease-collection requirement. 

Further, if LVNV verified this account with TransUnion after my dispute, then under 15 U.S.C. 1681s-2 ( b ), it was required to conduct a reasonable investigation. Verification without possession of competent documentation including proof of assignment and substantiation of the balance does not constitute a reasonable investigation under the FCRA.

As a debt buyer, LVNV Funding LLC bears the burden of demonstrating that it has legal standing to collect and report this alleged obligation. Reporting a substantial balance without producing documentation sufficient to establish enforceability raises serious concerns regarding : Accuracy of reporting Integrity of data furnished to consumer reporting agencies Compliance with federal consumer protection statutes Requested Resolution I request that the CFPB require LVNV Funding LLC and XXXX XXXX XXXX to : Produce full documentary validation establishing : A legally enforceable obligation, Proper chain of assignment, Accurate date of first delinquency, Accurate accounting of the alleged balance ; OR Immediately delete the tradeline from all consumer reporting agencies due to failure to validate and failure to conduct a reasonable investigation. 

If LVNV is unable to produce competent documentation sufficient to establish standing and enforceability, continued reporting constitutes furnishing information with reckless disregard for accuracy.

I request a written explanation detailing : The specific documents relied upon to verify this debt ; The method of investigation conducted after my dispute ; The basis for concluding that reporting remains accurate and legally supportable.

This complaint concerns not only my individual credit file, but compliance with federal statutory obligations governing debt buyers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief