Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
In XX/XX/XXXX, I mailed a formal debt validation request to LVNV Funding and Resurgent Capital Services regarding a tradeline they are reporting. The balance appeared inflated and inconsistent with what was previously reported. I requested documentation including the original creditors signed agreement, a full breakdown of the debt, and proof of legal ownership ( chain of assignment ) as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). 

Despite receiving my certified letter, LVNV/Resurgent failed to provide any meaningful response or the required documentation. They did not pause collection efforts or remove the tradeline during the investigation, which violates both FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). The account remains on my credit report without proper validation, and I believe the continued reporting is unlawful and damaging. 

I am requesting that the CFPB investigate this matter and that LVNV/Resurgent delete the tradeline and cease all collection activities unless they can provide full and complete validation of the alleged debt. 

In XX/XX/XXXX, I mailed a formal debt validation request to LVNV Funding LLC and its affiliated entity, Resurgent Capital Services, regarding a XXXX XXXX account ending in XXXX. The balance they are reporting appeared inflated and inconsistent with previous statements. I requested documentation including the original creditors signed agreement, a full breakdown of the debt, and proof of legal ownership ( chain of assignment ) under the Fair Debt Collection Practices Act ( FDCPA 809 ). 

I am filing this complaint in relation to this account, originally managed by XXXX XXXX, where I formally submitted a financial hardship notice in XX/XX/XXXX. I provided the requested documents, including full bank statements. Despite this, the creditor declined my reinstatement request and continued to apply monthly maintenance fees and late charges on a closed account. 

Between XXXX and XX/XX/XXXX, the balance ballooned from {$2700.00} to {$3200.00}, despite no purchases, and even after adjustment payments were made. Fees included interest, returned payment charges, and maintenance fees, compounded monthly all while the account was inactive and hardship communications were ongoing. 

In XX/XX/XXXX, I submitted additional validation and hardship letters to both LVNV and Resurgent Capital Services, totaling over XXXX pages. Despite this, they ignored all hardship requests and continued to charge interest on a closed account. To date, no proper validation has been provided, and the account remains inaccurately reported with inflated fees and derogatory status. 

Experian has since removed the account following my dispute, but TransUnion and Equifax still report the inflated balance, causing ongoing harm to my credit file. This behavior is materially misleading and violates my rights under both the Fair Credit Reporting Act ( FCRA ) and FDCPA, due to : Re-aging of debt post-closure Ballooning balances without activity Failure to provide debt validation Ignoring formal hardship and dispute documentation I request that the CFPB investigate this matter and compel LVNV/Resurgent to remove the tradeline from all credit bureaus and cease all further collection or reporting until full validation is lawfully provided.

Company response to consumer: Closed with explanation