Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Consumer Complaint Narrative I am submitting this complaint against Resurgent Capital Services, L.P. and LVNV Funding LLC regarding their continued failure to properly investigate and respond to legitimate consumer disputes after the underlying account was sold and the original creditor instructed deletion of its tradeline.

This complaint involves two separate disputes, both sent directly by me, both delivered via certified mail, and both received by the company. 

-- - Background The account at issue was originally with XXXX XXXX and was sold to Resurgent/LVNV. On XX/XX/year>, XXXX XXXX provided written confirmation that : - The account was sold to Resurgent/LVNV - XXXX  XXXX no longer owns the account - XXXX  XXXX requested deletion of its tradeline from the credit bureaus A copy of this correspondence is attached. 

-- - Dispute # 1 I submitted a written dispute to Resurgent/LVNV via certified mail, which was delivered and signed for. Proof of delivery is attached.

Dispute # 2 I submitted a second written dispute to the same company regarding continued reporting and verification issues, also via certified mail, which was delivered and signed for by the same recipient. Proof of delivery is attached. 

-- - Improper Company Response On or about XX/XX/year>, Resurgent Capital Services responded by stating that although they received my dispute, they determined it was frivolous and irrelevant, claiming it appeared to be prepared by or submitted through a credit repair organization. 

This assertion is false. I personally prepared and submitted both disputes. I did not authorize any third party to act on my behalf. Resurgent/LVNV did not attempt to verify authorship, identity, or intent before refusing to investigate.

Despite receiving multiple disputes and documentation showing that the original creditor deleted its reporting, Resurgent/LVNV has continued to disregard my disputes rather than conduct a reasonable investigation. 

-- - Legal Concern By refusing to investigate after receiving proper notice, Resurgent Capital Services and LVNV Funding LLC appear to be in violation of their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), including the duty to : - Conduct a reasonable investigation upon receipt of a dispute - Review all relevant information - Correct or delete inaccurate or unverifiable information Labeling a dispute as frivolous without verification, particularly after the original creditor has deleted its tradeline, does not satisfy these statutory obligations.

-- - I have retained and attached copies of all correspondence, certified mail receipts, and response letters. 

Consumer Information : Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, NC XXXX Company Complained About : Resurgent Capital Services, L.P. / LVNV Funding LLC

Company response to consumer: Closed with explanation