Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
Debt Validation.

LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Dispute and Debt Validation Request Account No : XXXX XXXX XXXX ( Reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as a formal dispute and debt validation demand regarding the above-referenced account reported by LVNV Funding LLC to the major consumer reporting agencies ( CRAs ). The reporting of this account is inaccurate, incomplete, and legally deficient in numerous respects. As such, it is causing harm to my credit reputation and must be addressed pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal and state consumer protection laws. 

I. Debt Validation and Legal Standing Under 15 U.S.C. 1692g ( b ) and 1692e, I hereby request the following documentation necessary to validate the alleged debt and your authority to report or collect on it : A copy of the original contract or agreement bearing my wet-ink signature, evidencing my consent to the alleged obligation ; A complete chain of assignment, from the original creditor through each successor, including dates of transfer, purchase agreements, and supporting documentation that demonstrates your legal right to report or collect this debt ; Confirmation whether the alleged account has been sold, assigned, or securitized, including identification of any trust, SPV ( special purpose vehicle ), or XXXX involved XXXX Any and all billing statements, payment history, and account-level documentation ; If the account was charged off, provide documentation of IRS Form 1099-C or other proof that the debt has not been canceled or forgiven, as required by 26 CFR 1.6050P-1.

Absent this documentation, you lack standing to report this alleged debt or pursue any collection activity. Continued reporting without such proof constitutes a willful violation of the FDCPA and FCRA. 

XXXX. Inaccuracies and XXXX XXXX Violations Your reporting of this account on my credit file, as of the XX/XX/XXXX data furnished to TXXXX XXXX XXXX XXXX, includes several material errors : The account is marked both as Open and Collection/Chargeoff, which is inconsistent with XXXX XXXX XXXX. A charged-off debt must be closed and no longer active. 

The monthly payment of {$0.00} contradicts the classification as an open account, indicating there is no ongoing payment obligation. 

There is a conflict in the Date of Last Activity : XXXX  reports it as XX/XX/XXXX, while XXXX  reports XX/XX/XXXX, suggesting the account has been re-aged in an apparent violation of FCRA 623 ( a ) ( 5 ).

The Payment Status is listed as both 120 Days Late and Chargeoff/Collection, which are functionally redundant and designed to double-penalize my credit score.

The account lacks the required dispute notation ( e.g., XXXX XXXX XXXX " XXXX '' ), in violation of FCRA 623 ( a ) ( 3 ) and XXXX XXXX guidelines. 

These errors materially misrepresent the status, ownership, and enforceability of the account, and violate your statutory obligation to report accurate and complete information under FCRA 623.

III. Caselaw Supporting My Claims Your failure to validate and accurately report this alleged debt is well-settled in relevant legal precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that the absence of a valid signed agreement renders collection and reporting improper. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Incomplete and misleading representations about a debt violate the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : No collection or reporting should occur until the debt has been fully validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Parties must establish valid assignment and ownership to enforce or report debts. 

IV. Formal Demands As a consumer acting in good faith, I am requesting the following : Immediate cessation of all collection and reporting activities until full validation is provided ; Deletion or correction of this account from XXXX XXXX XXXX XXXX if you are unable to provide legal and documentary proof of your claims ; Written verification that the debt has not been sold or forgiven in such a way that would trigger tax implications under federal regulations ; Confirmation of whether the debt was included in any securitized asset pool, and if so, all relevant data identifying the trust and your current role, if any. 

Failure to provide a timely and adequate response within 30 calendar days from receipt of this notice will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) ; Complaints filed with the Federal Trade Commission ( FTC ) and my State Attorney General ; Potential civil litigation for willful noncompliance under 15 U.S.C. 1681n, 1681o, and 1692k, seeking statutory damages, actual damages, attorneys fees, and injunctive relief. 

XXXX XXXX of Rights This letter is written without waiver of any rights, defenses, or remedies available to me under federal or state law. Please be advised that this is a bona fide dispute, and you are now on notice of your duties to investigate, verify, and respond accordingly. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief