Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Consumer : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX XXXX : XXXX Email : XXXX FTC Identity Theft Report # : XXXX Company Complained Of : LVNV Funding LLC ( Serviced by Resurgent Capital Services ) Account in Dispute : LVNV Funding LLC / Resurgent Capital Services Account # : XXXX Amount : {$830.00} COMPLAINT DETAILS I am filing this complaint as a verified victim of identity theft. My personal identifying information was exposed in a known data breach, including the XXXX data breach, which exposed consumers names, Social Security numbers, dates of birth, and other sensitive personal information. As a direct result of this exposure, a fraudulent collection account was opened and is now being reported by LVNV Funding LLC / Resurgent Capital Services without my knowledge, consent, or authorization. 

I never applied for, authorized, or agreed to any account with LVNV Funding LLC or its agents. There is no signed contract, no application, and no lawful proof of obligation connecting me to this alleged debt. 

I submitted a valid FTC Identity Theft Report, which legally triggers mandatory blocking and removal requirements under federal law. Despite this, the collection account continues to be reported, causing ongoing harm to my creditworthiness. 



LAW VIOLATIONS ( EXPLAINED ) 15 U.S.C. 1681c-2 ( FCRA 605B Identity Theft Blocking Law ) This law requires that any account resulting from identity theft must be BLOCKED and REMOVED once a consumer submits an FTC Identity Theft Report and proof of identity. This is mandatory and does not allow reinvestigation or verification. Continued reporting of this account is a direct violation of 605B. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy LVNV is furnishing information that is factually inaccurate. Reporting a debt against a consumer who never authorized the account violates the duty to ensure maximum possible accuracy. 

XXXX XXXX. XXXX ( b ) Duties of Furnishers After Notice Once notified of identity theft, a furnisher must conduct a lawful investigation and cease reporting unverifiable information. LVNV has failed to produce any contractual proof and continues reporting anyway. 

15 U.S.C. 1692g ( FDCPA Debt Validation ) As a debt buyer, LVNV is required to provide proper validation, including proof of ownership and the original agreement. No such validation has ever been provided. 

XXXX Data Breach Liability & Identity Theft XXXX The XXXX breach exposed sensitive consumer data nationwide. Federal law recognizes that accounts opened after such exposure may constitute identity theft. LVNVs continued reporting ignores the known risk of compromised identity data and unlawfully shifts the burden onto the victim. 



WHAT I AM DEMANDING XXXX. Immediate and permanent deletion of the LVNV Funding/ Resurgent collection account from ALL credit bureaus XXXX. Written confirmation that the account has been blocked under 15 U.S.C. 1681c-2 XXXX. No sale, transfer, or re-insertion of this alleged debt XXXX. Cessation of all collection activity LEGAL NOTICE Continued reporting of this fraudulent account constitutes a willful violation of federal law and exposes LVNV Funding LLC to civil liability under 15 U.S.C. 1681n and 1681o, as well as liability under the FDCPA. I am requesting CFPB enforcement action to compel compliance. 

This statement is made under penalty of perjury. 

XXXX XXXX Date : ______________________

Company response to consumer: Closed with non-monetary relief