Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
I am submitting this rebuttal in response to the letter from Resurgent Capital Services and LVNV Funding LLC. I continue to dispute the accuracy and validity of the account they claim to own. Their response is incomplete and misleading, and it does not resolve the issues raised in my original complaint. 

Resurgent and LVNV have not provided proof of ownership. They refused to produce the purchase and sale agreement or any assignment documents that show a legal transfer from XXXX XXXXXXXX XXXX to LVNV. Without a documented chain of title, there is no evidence that LVNV owns the account or has legal standing to collect or report it. If XXXX XXXX securitized this account, then ownership was transferred into a trust. For LVNV to now claim ownership, they must prove that the trust sold the account back to XXXX XXXX and that XXXX XXXX then sold it to LVNV. Without documentation of these transfers, their claim of ownership has no basis. 

The balance they report is also inaccurate. XXXX XXXX charged off the account at {$830.00}, yet Resurgent and LVNV now report {$950.00}. They have not provided any accounting or itemization of interest, fees, or other charges to explain this increase. Collecting or reporting a balance that has not been verified is misleading and violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

In their response, they rely heavily on a judgment obtained in XXXX  on XX/XX/XXXX. I dispute the validity of that judgment. I do not reside in XXXX, which raises serious questions about jurisdiction. Service of process is also disputed. The judgment appears to have been entered by default, without requiring proof of ownership or a full accounting. A default judgment obtained in the wrong state does not resolve the fact that LVNV has failed to produce the documentation necessary to validate this debt. 

Even if a judgment was entered, the underlying debt is now beyond the statute of limitations in my home state of XXXX XXXX. XXXX XXXX law provides a three-year limit for the collection of consumer debts, and that period expired in XX/XX/XXXX. Attempting to continue collection or reporting of an account that is time-barred in the consumers state of residence is misleading and unfair. 

The reporting of this account remains incomplete and inaccurate. It lists LVNV as creditor without proof, reflects an inflated balance, and omits documentation of ownership. Information that can not be verified must be deleted under the FCRA. 

For these reasons, I request that this tradeline be deleted from all credit reporting agencies. Resurgent and LVNV should cease all collection activity unless and until they provide complete validation, including the purchase and sale agreement, the full chain of title, and a complete accounting. If they continue to report or collect without producing this documentation, I will pursue further enforcement under federal and state law. 

Resurgent and LVNVs reliance on a disputed judgment while refusing to provide proof of ownership or a proper accounting is not adequate validation. This account remains disputed, inaccurate, and unverifiable. No, your response has not answered any of my concerns, provide me with the documents I requested, or delete this account.

Company response to consumer: Closed with explanation