Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request via Certified Mail to XXXX, XXXX XXXX XXXX XXXX in response to their collection activity on behalf of LVNV Funding LLC regarding a debt they allege to be valid. This request was received on XX/XX/year>, and was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which mandates that all collection activity cease until the debt is properly validated upon written request. 

My request was clear and lawful. It demanded the following : A complete itemized accounting of the alleged balance, including principal, interest, fees, and payments ; A documented chain of title and assignment, from the original creditor through each successive debt buyer to LVNV Funding LLC ; A copy of the original signed contract or loan agreement, establishing liability and jurisdiction ; Documentation proving that the alleged debt is legally enforceable under New Jersey law, including proof of licensing and registration where applicable. 

Despite this, no meaningful or legally sufficient response has been provided to date. Instead of validating the debt, the collector continued legal action, resulting in a default judgment in XXXX XXXX. XXXX, and subsequently filed a Notice of Wage Execution dated XX/XX/year>. These actions proceeded after receiving my dispute, without first providing the documentation required by lawan act that violates multiple provisions of the FDCPA and exposes both the collector and the creditor to liability. 

FDCPA Violations Include : 15 U.S.C. 1692g ( b ) Continuing collection activity without validating the debt following written dispute ; 1692e ( 5 ) Threatening legal action that can not lawfully be taken absent required substantiation ; 1692e ( 10 ) Use of deceptive means to collect or attempt to collect a debt ; 1692f ( 1 ) Attempting to collect an amount not expressly authorized by the agreement or permitted by law ; 1692c ( b ) Improper communication with third parties ( i.e., court filings and potential employer contact ) without meeting statutory prerequisites ; 1692j Use of forms or procedures that falsely imply legal validity or authority absent proper documentation.

FCRA Violations Include : LVNV Funding LLC has also continued to furnish information about this alleged debt to the credit reporting agencies without resolving the validation dispute, which constitutes the following violations under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably known to be inaccurate ; 1681s-2 ( a ) ( 3 ) Failing to mark the account as disputed after receiving formal notice of dispute ; 1681s-2 ( b ) Failing to conduct a lawful reinvestigation upon notice from consumer or bureau ; 1681e ( b ) Failing to ensure the maximum possible accuracy of information being reported ; 1681i ( a ) Failing to delete or correct information that can not be verified in a reasonable time.

This behavior constitutes systematic abuse of the legal process and disregard for consumer protections, where the debt collector continues to weaponize the court system and credit reporting infrastructure without satisfying even the baseline legal requirements for debt substantiation.

Furthermore, given that this matter was disputed in writing and remains unresolved, any credit reporting or legal enforcement related to this account is both procedurally improper and materially misleading under the law.

I am not seeking monetary compensation. I am seeking full legal compliance and permanent deletion of the disputed account due to the creditor and collectors failure to meet their legal burdens under the FDCPA and FCRA. This is not merely a consumer preferenceit is a matter of federal statutory compliance and due process

Company response to consumer: Closed with explanation