Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this new complaint against LVNV Funding LLC and Resurgent Capital Services LP for knowingly reporting and attempting to collect a fraudulent account that does not belong to me. 

The company continues to report this account to XXXX, XXXX, and XXXX  despite having no evidence of liability or authorization from me. The account originates from XXXX XXXX XXXX  XXXX a company operating exclusively in XXXX. I have never resided in XXXX, never received utility service there, and have never maintained a residence, address, or employment in XXXX. My XXXX XXXX drivers license and professional history prove this conclusively. 

This matter constitutes identity theft and fraudulent reporting. The documentation LVNV/Resurgent provided in response to my prior CFPB complaint contained billing statements for a XXXX  address which is clear evidence this debt does not belong to me. Despite being notified in writing of this fraud and dispute, the company : XXXX. Failed to produce any signed contract, application, or account authorization bearing my name or signature. 
XXXX. Failed to produce a valid chain of assignment or proof of ownership from XXXX XXXX XXXX  XXXX to LVNV Funding. 
XXXX. Continued reporting and attempted collection, violating both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Violations Cited FDCPA, 15 U.S.C. 1692g ( b ) : Failure to cease collection after receiving written dispute and failure to provide proper validation of debt. 
FDCPA, 15 U.S.C. 1692e & 1692f : Continued misrepresentation and unfair collection by reporting a fraudulent account as valid. 
FCRA, 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable reinvestigation and continued reporting of unverifiable information. 
FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) : Failure to block and remove information resulting from identity theft after notice.

FCRA, 15 U.S.C. 1681i : Failure of reinvestigation and continued furnishing of inaccurate data to consumer reporting agencies. 

Requested Relief I am requesting that the CFPB order immediate deletion of the LVNV Funding tradeline from all credit bureaus and take enforcement action for willful violations of the FDCPA and FCRA. 

Specifically, I request : XXXX. Permanent deletion of this fraudulent account from Equifax, Experian, and TransUnion. 
XXXX. Written confirmation from LVNV and Resurgent that the account has been flagged as identity theft and closed permanently with no further collection or assignment rights. 
XXXX. Cease-reporting directive prohibiting LVNV Funding, Resurgent, or any affiliate from ever re-reporting, selling, transferring, or collecting on this account. 
XXXX. Monetary and enforcement remedies as deemed appropriate by the CFPB for continued willful violations. 

Attachments Copy of XXXX XXXX Drivers License ( proof of residence ) Prior CFPB response packet showing XXXX XXXX  billing documents unrelated to me and my residence which is and has always been XXXX. 

I have spoke to the company directly and told them this and given them all information when this happened. I have also spoke with LVNV funding numerous times and they have done nothing.

Company response to consumer: Closed with non-monetary relief