Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: LA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services for ongoing violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). LVNV Funding is actively reporting three unverified accountsaccount numbers XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX  without properly validating the debts as required by law. 

On XX/XX/year>, I sent LVNV a formal Debt Validation Letter under 15 U.S.C. 1692g of the FDCPA, requesting specific and sufficient documentation proving that I legally owe the alleged debts and that LVNV has the legal right to collect on them. In violation of the law, LVNV has failed to provide proper debt validation and has only responded with a single statement and a basic account summary, which are insufficient to satisfy federal validation requirements. 

Despite this failure, LVNV continues to report these accounts to all three major credit bureaus. This is a direct violation of 15 U.S.C. 1681s-2 ( b ) under the FCRA, which requires furnishers to ensure maximum possible accuracy of the information they report. LVNV is knowingly furnishing unverifiable, inaccurate, and incomplete information to the credit bureaus, which is actively damaging my credit profile.

Legal Violations Committed by LVNV : 1. Violation of FDCPA 15 U.S.C. 1692g ( b ) : LVNV must cease all collection activity and reporting until the debt is properly validated. Their continued collection and credit reporting after only providing insufficient documentation constitutes a clear and willful violation of this statute. 

2. Violation of FCRA 15 U.S.C. 1681s-2 ( b ) : LVNV is reporting the debts without ensuring their accuracy or completeness, and without verifying their right to report. This misreporting, after a formal dispute and validation request, is a direct breach of their duties under the FCRA.

3. Pattern of Non-Compliance and Deceptive Practices : The use of minimal, non-substantiating documents like billing statements or summaries instead of contracts, itemized statements from the original creditor, and assignment of rights is deceptive and misleadingactions which have been penalized in similar past enforcement cases. 

Relevant Enforcement and Precedents : LVNV Funding LLC has previously been the subject of enforcement actions and lawsuits for similar deceptive practices, including improper debt collection, reporting unverifiable accounts, and failure to respond to disputes. 

Similar cases have resulted in XXXX-dollar settlements or consent orders, establishing legal precedent for the removal of unverifiable debts and penalties against repeat violators. 

Final Notice and Intent to Escalate : If this matter is not resolved promptly, I will take the following actions without further notice : File a civil lawsuit under the FDCPA and FCRA, seeking : Statutory damages of {$1000.00} per violation Actual damages for harm caused to my credit Attorney 's fees and full court costs Submit formal complaints to the FTC, State Attorney General, and the credit bureaus for willful noncompliance and deceptive furnishing practices.

Pursue direct disputes under FCRA 611 with each credit bureau, demanding immediate deletion for failure to verify the information upon dispute.

LVNV Funding LLC 's actions reflect a systemic disregard for consumer rights and federal law. This complaint seeks urgent corrective action and regulatory scrutiny to stop ongoing harm.

Company response to consumer: Closed with explanation