Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
I wrote several debt validation letters : XX/XX/year>, XX/XX/year>, and on XX/XX/year>. Below is a copy of the last letter sent to them. 

XXXX To Consumer Support : I am disappointed and concerned that credit reporting deficiencies and deviations from the mandated reporting standards persist despite this written request. I implore you to act promptly and ethically by conducting your due diligence in response to this request. The CDIA guidelines clearly state that deviations from these standards will undermine trust in the principles they represent, making it impossible to comply with federal injunctions to report with maximum accuracy and completeness. As a professional in this industry, it is your responsibility and obligation to adhere to established standards and ensure, at the very least, a minimum level of unimpeachable uprightness in your reporting practices, in strict conformance with relevant laws. I urge you to take immediate action to address these issues to avoid any further escalation of this matter.

I am writing to file a formal complaint regarding non-compliant and incorrect reporting that has damaged my credit. As the responsible entity for ensuring compliant reporting, it is imperative that you adhere to federal and state reporting regulations in a factual and undeniable manner immediately and permanently. Your deviations from the reporting standards outlined in the CDIA 's manual have jeopardized the integrity of the data and failed to meet even the minimum requirements for the privilege to report.

I previously notified you of inaccuracies in your reporting and emphasized the importance of ensuring that only compliant information is retained in my file. However, it appears that my notice was not taken seriously, and my account continues to be misreported in an unfair and unethically non-compliant manner. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), and may subject you to fines and damages.

While I am disappointed that your reporting practices are questionable, I urge you to take immediate corrective action to address the inaccuracies in your reporting and ensure compliance with the FCRA. This letter serves as your last opportunity to resolve this matter before legal action is taken. I contest your reporting privileges and challenge you to prove that each and every aspect of requisite reporting adheres to all required adequate practices within your compliant reporting.

I demand that you remove from reporting exactly as requested today, immediately and without delay. Failure to do so may result in legal action being taken against your company. Thank you for your prompt attention to this matter. 
LVNV FUNDING LLC LVNV FUNDING LLC LVNV FUNDING LLC I must express my profound disappointment and concern upon discovering that the information provided above for LVNF FUNDING LLC has not undergone the requisite certification process to comply with established reporting standards. It is deeply disheartening to acknowledge that the included data lacks any assurance of accuracy, currency, or comprehensiveness. Furthermore, it is of utmost importance to highlight that this information may suffer from notable incompleteness, obsolescence, or a lack of substantiation. Consequently, I earnestly request the immediate removal of any erroneous or unsupported content from this page, as it falls far below the expected standards and greatly hinders its reliability.

I am writing to express my disappointment with the reporting errors that have caused me unfair credit disapprovals and unjustified interest rates. While I understand that mistakes can happen, I require regulatorily obligatory, lawfully compliant, and uncontested claim information with a maximum possible accuracy and completeness. Any reporting deviations or inadequacies could potentially jeopardize the integrity of the alleged claims. As per CDIA 's CRRG 3-4, all claims must adhere to the reporting requirements without fail. If the issue is not addressed soon, I will have no option but to consider legal action against you, seeking not only monetary compensation but also penalties for all your negligent, reckless, and non-compliant reporting errors. Please respond within seven days from the receipt of this letter with undeniable adequacy, fairness, maximum possible correctness, and completeness. Failure to do so may result in legal action, which will be more damaging to your company. It is in our best interest to take immediate action. If you respond with certifiably compliant reporting as requested, I will consider the matter settled and pursue no further action. Finally, the proof of each claim must be authenticated by a notarized statement from a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not disputatious, was not used as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity during the period it may have been payable. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation