Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am filing this complaint against * * Resurgent Capital Services, L.P. * *, collecting on behalf of * * LVNV Funding LLC * *, for their failure to properly validate a debt allegedly owed to * * XXXX Banks * * and their continued reporting of unverifiable information to the credit bureaus in violation of federal law. 

On * * XX/XX/year> * *, I received a response from Resurgent Capital Services claiming to verify an alleged XXXX Banks account. However, what they provided was only a generic account summary prepared by Resurgent themselves not original documentation from XXXX Banks or LVNV Funding LLC. They failed to include : * A signed original agreement or application with my signature; * Proof of assignment or chain of title from XXXX Banks to LVNV Funding LLC to Resurgent Capital; * An itemized accounting of the balance showing how the alleged {$440.00} was calculated. 

Under the * * Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) * *, debt XXXX must cease all collection and reporting activity until full verification of the debt is provided. Resurgent has not met this standard but continues to report this account to the credit bureaus, which constitutes a * * violation of FDCPA XXXX ( b ) * * and * * XXXX ( XXXX ) * * for communicating false or disputed information to third parties. 

Additionally, by furnishing unverifiable and potentially inaccurate information to the credit reporting agencies, Resurgent and LVNV Funding LLC are violating the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) * *, which prohibits furnishing data known or reasonably believed to be inaccurate, and * * 1681s-2 ( b ) * *, which requires a good-faith investigation of disputed data. 

The Consumer Financial Protection Bureaus Regulation F ( XXXX XXXX XXXX ) further requires XXXX to possess * * sufficient evidence * * to substantiate a debt before engaging in collection or reporting. Resurgent has not provided such evidence. 

Because the debt has not been properly validated, their actions including continued credit reporting and collection efforts violate * * FDCPA XXXX ( XXXX ) * *, * * XXXX ( b ) * *, and * * FCRA 623 ( a ) ( 1 ) ( A ) * *. I have already issued a * * formal second validation request and cease-and-desist notice * * demanding full compliance and removal of all reporting until proper documentation is produced. 

I am requesting that the CFPB compel * * Resurgent Capital Services, L.P. * * and * * LVNV Funding LLC * * to : XXXX. Provide full, verifiable proof of debt ownership and balance ; XXXX. Cease all collection activity until validation is provided ; and XXXX. Immediately delete or suspend all reporting of this account with * * Experian, Equifax, and TransUnion * * until validation is complete. 

Their failure to comply with these federal requirements has caused ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation