Consumer complaint received 2026-01-14 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: OH

Complaint narrative:
This complaint is submitted against LVNV Funding, LLC for willful and repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), stemming from LVNVs continued reporting of an unvalidated collection account despite multiple timely written disputes. 

I formally disputed and requested validation of this alleged debt on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each dispute was sent in writing and properly triggered LVNV Fundings statutory obligations under 15 U.S.C. 1692g ( b ). Despite this, LVNV Funding failed to provide lawful validation and instead responded each time with generic account summaries and copies of billing statements, which do not meet the legal standard for debt validation.

At no point has LVNV Funding produced : A signed contract or agreement bearing my signature Proof of legal ownership or assignment of the alleged debt A complete chain of title from the original creditor Evidence establishing the accuracy or enforceability of the balance being reported Clear Statutory Violations FDCPA 15 U.S.C. 1692g ( b ) Once a debt is disputed in writing, a debt collector must cease all collection activity until proper validation is provided. Federal courts and the CFPB have made clear that credit reporting constitutes collection activity. LVNV Fundings continued reporting of this account without validation is therefore a direct violation of the FDCPA.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) Furnishers are prohibited from reporting information they know or should know can not be verified. After receiving multiple disputes and failing to validate the account, LVNV Funding had actual knowledge that it could not verify the debt. Continued reporting under these circumstances constitutes furnishing inaccurate and misleading information.

Willful Noncompliance 15 U.S.C. 1681n LVNV Fundings repeated failure to correct or delete this account after three disputes demonstrates willful noncompliance, not clerical error. This exposes LVNV Funding to statutory damages, actual damages, attorneys fees, and punitive damages.

LVNV Funding has engaged in a pattern of systemic noncompliance by : Ignoring statutory cease-collection requirements Substituting boilerplate documentation for lawful validation Continuing to damage my consumer report without legal authority This conduct undermines the integrity of the consumer reporting system and warrants regulatory intervention.

All supporting documentation is attached, including : Copies of all dispute and validation letters LVNV Fundings deficient responses Current credit reports confirming continued reporting I am requesting that the CFPB require LVNV Funding, LLC to : Immediately delete this collection account from XXXX XXXX XXXX XXXX  Cease all present and future reporting of this alleged debt Provide written confirmation of deletion LVNV Funding has forfeited any lawful right to continue reporting or collecting this account due to its repeated failure to validate after proper notice.

This complaint is submitted in good faith but also serves as formal notice that continued reporting without validation may result in private legal action, including claims for statutory damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation