Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Lvnv Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand to Cease Reporting and Violation Notification CFPB Complaint Filing To Whom It May Concern, I am writing to formally dispute the negative item your company is reporting to the credit bureaus in connection with account number XXXX, which is materially impacting my ability to obtain housing and support my family. This communication serves as a notice of serious violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I intend to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Violations Committed by Your Agency : 1. Failure to Notify and Validate the Debt ( 15 U.S.C. 1692g ) : Your agency never provided me with a written notice of the alleged debt within five days of your initial communication, as required by 1692g ( a ). I was not afforded the opportunity to dispute the validity of the debt or request verification. Without proper notification, any reporting to the credit bureaus constitutes a willful violation of federal law.

2. Unauthorized Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ) : You are reporting inaccurate or unverified information to credit reporting agencies without fulfilling the requirements of investigation or consumer notification. This violates your duty under 1681s-2 ( b ) to ensure t
he information reported is accurate and not misleading.

3. Lack of Permissible Purpose ( 15 U.S.C. 1681b ) : No evidence has been presented that you had a permissible purpose to access or report my credit file. As supported in XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), unauthorized access or reporting is a violation of the FCRA, exposing the violator to statutory and punitive damages.

4. Deceptive and Unfair Collection Practices ( 15 U.S.C. 1692e & 1692f ) : By reporting a debt that was not validated and failing to notify me in writing, your agency has employed deceptive means to collect a debt. This is explicitly prohibited and actionable under 1692e ( 8 ), which prohibits communication of credit information known to be false.

Immediate Demand : Cease and desist all credit reporting activities related to this unverified and unauthorized account. 
Provide full validation of the alleged debt as required by law, including the original creditor, amount owed, itemized charges, and evidence of my agreement to the debt. 
Remove the account from all credit reporting agencies ( XXXX XXXX XXXX XXXX immediately. 
Provide written confirmation of compliance within XXXX calendar days of receipt of this letter. 

Failure to comply will result in the submission of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I will also seek damages through small claims court as permitted under 15 U.S.C. 1692k, where you may be held liable for statutory damages, actual damages, court costs, and attorney fees. 

This is not a refusal to pay but a request for validation made in accordance with the law. Until these issues are fully resolved, you are prohibited from continuing to report this information to any consumer reporting agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation