Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
CFPB Complaint Statement To Whom It May Concern, I am filing a complaint regarding XXXX XXXX  XXXX and its inaccurate and damaging reporting of a debt that I dispute. I am a senior on a fixed income, and this negative item is causing serious hardship, particularly as I try to secure housing and reliable transportation. 

In XX/XX/XXXX I interacted with XXXX And XXXX pertaining to this XXXX. XXXX  And XXXX requested a copy of my income showing that I was in a hardship and I filed a pulpers petition. XXXX  And XXXX forgave the debt as far as I know of in XXXX. 
I no longer heard from them once I submitted proof of my Social Security income. 

In XXXX, XXXX began reporting a debt on my credit reports. I never received full and proper validation. I even asked them how much did they buy the XXXX for? They refused to answer a lot of the questions on a XXXX validation letter I submitted to them. 

When I requested itemized proof and details, I only received disjointed, partial pages no full statements, no contract, no clear chain of custody for the debt. Despite repeated attempts, XXXX failed to adequately verify the debt. They cherry-picked documents, ignored many of my requests, and have continued reporting despite ongoing dispute. There has been months where the XXXX wasnt there and months, where the debt was reported. 

XXXX also sent me a letter stating they would not pursue legal action against me regarding this account. Following that, I mailed XXXX additional requests asking them to remove the tradeline from my credit report. I also called them multiple times, but was met with evasive answers such as XXXX back later ' or 'we need to speak with our team. ' No formal decision or response was ever sent. 
This is deeply troubling and is contributing to my hardship. 

My building was purchased by a slumlord who is forcing us out, and use a mental cruelty tactics to do so. This is affecting me mentally to XXXX XXXX. XXXX seeing a psychologist and being referred to a psychiatrist for medication. it is also affecting my skin from the stress of the regular abuse and threats that I experience living in my current housing ; my body is rejecting where I live. I have to move. 

I have XXXX XXXX XXXXnd XXXX XXXX XXXXXXXX I was offered an opportunity to participate in the XXXX XXXX XXXX XXXX I wanted to purchase my forever home through their home buying program XXXX XXXX XXXX, which will help people with XXXX purchase a home by helping them pay their mortgage. 

I cant do anything because of XXXX. The original debt is questionable. It may be linked to another XXXX buyer that forgave the debt in early XXXX but XXXX, after several requests has yet to prove XXXX XXXX of how they received the debt and how I owe them, how much did they pay for the XXXX? 
What was the original amount, documentation that indicates that I agree to pay someone something sum of money? 
What was the original date of the delinquency agreements that XXXX them the authority to collect the alleged debt,? 
How much did they calculate the current amount owed. 
I also requested compliance with the terms and conditions of the letter within 30 days of certified receipt or a complete removal from my Credit profile in writing or you a claim in the event of non-compliance. 

Everything was cherry picked, giving me little to nothing. They have yet to respond to my requests, asking them to remove the debt off of my credit report, especially since they said that they would not do legal action. Every time I asked I was blowing off my only income is Social Security and XXXX. I get less than XXXX for the whole year and XXXX a XXXX with XXXX XXXX and physical XXXX yet they have showed no empathy. A XXXX college graduate that was trying to do better with my life, but that wasnt the cards I was dealt. 

I felt on many occasions suicidal because of XXXX and this nightmare that I inherited with this slumlord. 
Ive received conflicting and vague responses from XXXX or no response at all. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. 
I am requesting that LVNV Funding be required to remove the item from my credit report unless they can provide full, legitimate validation. I am also asking that all involved take into consideration that every one falls on hard times at some point. Would you want to be treated like this? 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation