Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/year> I am submitting this complaint regarding LVNV Funding LLC ( LVNV ) and the alleged debt referenced as Account/Reference No. XXXX, in the amount of {$270.00}. I dispute this alleged debt in its entirety and I am requesting that LVNV provide proper validation and stop collection activity unless and until it can substantiate the claim. 

What happened On XX/XX/year>, I first saw LVNVs alleged debt being reported on my consumer credit report. LVNV has not provided sufficient documentation establishing : 1. that I owe the debt, 2. that the amount being claimed is accurate and fully itemized, and 3. that LVNV has lawful authority/standing to collect and/or report this account.

I am requesting competent evidence of the alleged obligation ( not generic statements ). If LVNV attempts to collect without providing adequate validation after notice of dispute, that conduct is inconsistent with obligations under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g ( b ), and may also implicate the FDCPAs prohibitions against deceptive or unfair collection practices ( 15 U.S.C. 1692e and 1692f ).

If LVNV is furnishing information to consumer reporting agencies, it must ensure the information is accurate and properly investigated after notice of dispute consistent with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2. If the account is being reported, it must be accurately marked as disputed.

What I am requesting ( resolution ) I am requesting that LVNV Funding LLC do one of the following : Option 1 : Provide full validation/verification Provide documentation sufficient to validate the alleged debt, including all of the following : Name and address of the original creditor and the original account number ( if different ) A complete itemization of the amount claimed ( principal, interest, fees, and the dates each charge was added ) The date of default and the date of last payment allegedly made A copy of any contract/terms or other competent evidence showing I agreed to the debt A complete chain of title/assignment showing LVNVs ownership/authority to collect for this specific account ( not a generic portfolio summary ) The name of the current creditor ( if different ) If LVNV claims there is a judgment, a copy of the judgment and the court/case information Option 2 : If LVNV can not validate, stop and delete If LVNV can not provide the above, I request LVNV : cease all collection activity, close the account, and delete/withdraw any credit reporting LVNV ( or any associated furnisher/agent ) has made regarding this alleged debt.

Additionally, if LVNV is reporting this account, I request LVNV immediately update all consumer reporting agencies to reflect that the account is disputed, and provide written confirmation of any corrections, updates, or deletions.

Company response to consumer: Closed with explanation