Consumer complaint received 2026-01-20 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: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for willful, knowing, and continuous violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and New Jersey consumer protection laws. 

LVNV Funding claims to have purchased an alleged XXXX XXXX account in XX/XX/year>. That account was already closed, yet LVNV Funding is illegally reporting the account as OPEN, furnishing false and misleading information to consumer reporting agencies. 

This conduct constitutes inaccurate credit reporting, misrepresentation of account status, failure to conduct a reasonable investigation, and unlawful debt collection activity, all of which expose LVNV Funding to statutory damages, actual damages, treble damages under NJ law, and attorneys fees. 



STATEMENT OF FACTS XXXX. ACCOUNT WAS CLOSED NOT OPEN The original XXXX XXXX account was closed prior to LVNV Fundings alleged purchase. 
LVNV Funding is reporting the account as OPEN, which is materially false and misleading. 
XXXX. FALSE CREDIT REPORTING Reporting an account as open implies : Active credit availability Ongoing consumer obligation Current contractual relationship None of these are true. 
XXXX. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY LVNV Funding has failed to ensure accuracy despite having ample opportunity to verify the account status. 
Furnishing false information is not a clerical errorit is a compliance failure. 
XXXX. IMPROPER ACQUISITION & USE OF MY INFORMATION LVNV Funding obtained my personal information from XXXX XXXX in XX/XX/year>. 
LVNV Funding has no signed agreement, no original contract, and no lawful basis to misstate the accounts status. 
XXXX. ONGOING HARM Artificial inflation of my credit utilization Damage to my credit profile Denial or adverse terms of credit Emotional distress and financial harm FEDERAL LAW VIOLATIONS Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Misreporting an account as OPEN when it is CLOSED is a material misrepresentation, not a minor error. 



Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false 15 U.S.C. 1692f Unfair or unconscionable collection practices Each violation carries statutory damages up to {$1000.00}, plus actual damages and attorneys fees. 



NEW JERSEY LAW VIOLATIONS New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ) LVNV Funding engaged in : Deceptive and unconscionable commercial practices Misrepresentation of account status Credit reporting that materially misleads lenders Remedies include : Treble damages Attorneys fees Costs of suit New Jersey Fair Debt Collection Regulations ( N.J.A.C. 13:45D-1.1 et seq. ) Violations include : Misrepresentation of debt status Inaccurate credit reporting Failure to correct known errors WILLFUL NONCOMPLIANCE NOTICE LVNV Funding has had ample time to correct this reporting and has failed to do so. 
Continued reporting of a closed account as open constitutes willful noncompliance, exposing LVNV Funding to enhanced liability under federal and NJ law. 



DEMAND FOR RELIEF ( NON-NEGOTIABLE ) I demand that LVNV Funding be required to : XXXX. IMMEDIATELY DELETE the tradeline from XXXX, XXXX, and XXXX XXXX. Cease all furnishing of information related to this account XXXX. Provide written confirmation of deletion XXXX. Conduct an internal compliance review regarding improper reporting practices XXXX. Compensate me for statutory and actual damages resulting from their violations CLOSING STATEMENT LVNV Fundings actions demonstrate reckless disregard for consumer protection laws and appear to be part of a pattern of systemic misreporting. Reporting a closed account as open is not legally defensible. 

I respectfully request CFPB enforcement action and immediate correction of my credit file

Company response to consumer: Closed with explanation