Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC ( Successor in Interest to XXXX XXXX XXXX  ) and their legal counsel, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) of XXXX XXXX XXXX XXXX, for unlawful and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 credit reporting standards. They are attempting to collect a debt allegedly owed to XXXX XXXX XXXX  in the amount of {$1400.00} or any amount, but I have no contractual relationship with XXXX XXXX XXXX and never entered into any agreement with them. 

LVNV Funding LLC is not my creditor to collect a debt against me for any amount. LVNV Funding LLC ( Successor in Interest to XXXX XXXX XXXX  ) is not my creditor to collect a debt against me for any amount. 

This debt is not mine. I never signed any contract or agreement with XXXX XXXX XXXX and have no financial relationship with them. Upon recent investigation, new evidence from both XXXX and XXXX confirms that there is no account reported from XXXX XXXX XXXX on my credit reportsno charge-off, no outstanding balance, and no reference to any debt matching this amount. This is strong evidence that no such debt originated from the XXXX XXXX XXXX  and that the claim is fraudulent or erroneously attributed to me. 

Despite my dispute and demand for validation, LVNV Funding LLC and XXXX XXXX have failed to provide any required documentation under the FDCPA. They have not furnished a signed contract bearing my full legal name and Social Security number. They have not produced a bill of sale, assignment of rights, or purchase agreement establishing a legal basis to collect this debt from me. There has been no validation package sent or offered, despite the debt being disputed directly and appearing in my credit report. 

Moreover, the reporting of this tradeline to TransUnion appears to be in direct violation of Metro 2 standards and the FCRA. Specifically, the tradeline is misrepresented as " Open '' when it should reflect a charged-off or closed status. There is no accurate Date of First Delinquency ( DOFD ) or Date of Last Payment ( DLP ) listed. The compliance condition code indicating the account is under dispute is either missing or improperly formatted, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) regarding the reporting of accurate and verified data. These misrepresentations harm my credit profile and constitute the furnishing of inaccurate and misleading information. 

Additionally, if the alleged account was in fact charged off by XXXX XXXX XXXX a 1099-C ( Cancellation of Debt ) should have been issued and reported to the IRS. There is no record of any 1099-C from XXXX XXXX XXXX  XXXX which calls into question whether the charge-off was ever lawfully recognized or whether LVNV Funding is attempting to collect on a debt that was already discharged or abandoned for tax purposes. 

LVNV Funding LLC and attorney XXXX XXXX have engaged in unfair, deceptive, and illegal collection activity without validating the debt, without lawful ownership or assignment, and while furnishing inaccurate and misleading information to TransUnion. This conduct violates FDCPA 1692e, 1692f, and 1692g, as well as FCRA 1681s-2 ( a ) ( 1 ), 1681e ( b ), and 1681s-2 ( b ). Their actions are abusive, unlawful, and damaging to my financial well-being.

I request that the CFPB investigate this matter thoroughly. I am seeking the immediate removal of this tradeline from all credit reporting agencies, formal enforcement action against LVNV Funding LLC and XXXX XXXX XXXX XXXX, and referral to the Georgia State Bar for potential ethical violations by attorney XXXX XXXX. I also request that no further collection attempts be made on this debt and that all references to it be withdrawn from my credit file. This is a serious violation of federal consumer protection laws and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief