Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an improperly reported collection account furnished by LVNV Funding LLC, which is reporting a collection balance without providing legally sufficient proof that it has the authority to collect or report this account.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and applicable consumer protection standards governing third-party debt buyers. 

Account Information Collection Agency : LVNV Funding LLC Account Number : XXXXXXXX XXXX XXXX Original Creditor ( as reported ) : XXXX XXXX / XXXX XXXXXXXX XXXX Amount Allegedly Owed : {$23000.00} Date Opened ( as reported ) : XX/XX/year> Account Status : Collection / Charge-Off Currently Reporting On : XXXX ( closed collection ) XXXX  ( XXXX collection, XXXX days late ) XXXX ( open collection ) This account is reported inconsistently across consumer reporting agencies, indicating unreliable furnishing and lack of proper verification. 

Failure to Provide Proof of Legal Assignment LVNV Funding LLC is a bulk debt buyer. As such, it is required to possess and produce documentary proof of lawful assignment before it may lawfully collect or furnish data regarding this account.

To date, no valid proof of assignment has been produced.

Under federal law, valid proof requires more than a billing statement or account screenshot. LVNV Funding must produce : A bill of sale or assignment agreement evidencing transfer of ownership Documentation that specifically identifies this account as part of the transfer Proof that LVNV Funding LLC has authority to collect and report this account A copy of a billing statement, account summary, or spreadsheet from the original creditor is NOT legally sufficient. 
Such documents do not establish ownership or assignment, and any party can generate them. Courts and regulators require actual assignment contracts, not generic account documents. 

Fair Credit Reporting Act ( FCRA ) Violations By continuing to report this account without proof of assignment, LVNV Funding LLC is violating, but not limited to : XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate, incomplete, or materially misleading.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 

Without proof of lawful assignment, LVNV Funding LLC has no permissible purpose under the FCRA to report this tradeline. 

Demand for Relief I hereby demand that LVNV Funding LLC : Immediately delete this tradeline from all consumer reporting agencies, including Experian, Equifax, and TransUnion. 

Produce the complete assignment contract ( XXXX ) showing transfer of this specific account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to LVNV Funding LLC ; Absent production of valid assignment documentation, continued reporting constitutes willful noncompliance with federal law. 

This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. 

Please provide a written response within the CFPB-mandated response period.

Company response to consumer: Closed with explanation