Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have provided a screenshot of my updated credit report for XXXX, XXXX, and XXXX side by side. My credit report should look Identical across the board when it come to reporting information about my character. Please refer to the listing below.. 

1. ) A high balance of {$670.00} is being reported only on XXXX not XXXX or XXXX 2. ) Last Verified for all ( 3 ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX How are these not all the same when it comes to verifying information. 
3. ) Date of last activity is different on all accounts : XXXX XX/XX/XXXX XXXX- XX/XX/XXXX and XXXX- XX/XX/XXXX XXXX Date this account opened was XX/XX/XXXX How would XXXX have a date of last activity date of XX/XX/XXXX what activity was being added or checked 25 days BEFORE the account was opened? Please explain? 
4. ) Closed Date is different for all ( 3 ) XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The open date for this account is XX/XX/XXXX but XXXX is reporting a closed date on XX/XX/XXXX how would XXXX be able to report something 25 days in advance BEFORE the account was even open? Please explain? 
5. ) No account rating is being reported for XXXX please explain? 
6. ) The account description is different for XXXX verse XXXX and XXXX. Please Explain how? 
7. ) The creditor type is different for all ( 3 ) XXXX is reporting- Collection service, XXXX is reporting XXXX XXXX XXXX XXXX and XXXX is reporting Factoring Companies. Please explain how all these are different? 
8. ) Account Status XXXX isn't reporting anything please explain how? 
9. ) Payment Status nothing is being reported for XXXX or XXXX please explain how? 
10. ) Original Creditor is reporting different all ( 3 ) XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please explain how all these are different? 
11. ) No payment amount reporting for either account 12. ) No Last Payment being reported for either account 13. ) No term length being reported for either account 14. ) No past due amount being reported 15. ) No Account type being reported 16. ) No payment frequency being reported 17. ) No credit limit being reported 18. ) Also no payment history is being reported please explain how all this information is missing or incorrect? 

With all this missing or incorrect information that has been provided makes me unsure if my credit is being used fairly. Please provide me with the person, company name, and any other information that helps verify the accounts because the source can not be reliable. 


The FCRA is the primary law governing credit reporting. It establishes the rights of consumers to access their credit information, dispute inaccuracies, and requires credit bureaus and furnishers of information to correct errors. 

You are not a Furnisher of information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 603 ( f ) of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 603. ( d ) ( 1 ) ( A ) of the FCRA making you LVNV Funding LLC, Resurgent Capital Services L.P. a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 609 ( f ) ( 2 ) ( A ) ( i ) Also I've attached screenshots on licenses to collect and dont see you LVNV FUNDING LLC a company who can collect in the state of Tennessee XXXX Please provide proof that your company can collect in the state of Tennessee. 

Please provide all information that has been asked in a prompt manner also I would like a updated copy of my credit report showing all the corrected errors and all credit agencies matching across the board with information. If this can not be done up to 100 % completion then I asked this account is deleted and taken off all reporting credit agencies.

Company response to consumer: Closed with explanation