Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Cease and Desist & Request for Deletion Inaccurate and Potentially Unlawful Reporting by LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request immediate action regarding the reporting of an account listed by LVNV Funding LLC / Resurgent Capital Services on my credit reports with XXXX and XXXX. Upon reviewing my annual credit reports, I identified serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially other federal and state laws related to the following account : Creditor : LVNV Funding LLC / Resurgent Capital Services Original Creditor : XXXX / XXXX Balance : {$630.00} Date Opened : XX/XX/year> Status : Placed for Collection ( XXXX XXXX XXXX ) Reporting Agencies : XXXX and XXXX Account Numbers ( Redacted ) : XXXX Summary of Violations : XXXX. Violation of the FDCPA Lack of Proper Validation LVNV Funding is reporting this account as a collection account without providing adequate validation or proof of the debt upon request. This is in direct violation of 15 U.S.C. 1692g of the FDCPA. No contract, signed agreement, or account-level documentation has been provided to verify : The legal right to collect the alleged debt The amount claimed ( {$630.00} ) The chain of assignment from XXXX to XXXX XXXX XXXX Violation of the FCRA Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681e ( b ) ) The reported information is incomplete, inaccurate, and misleading, and both agencies have failed to maintain maximum possible accuracy : XXXX lists the account as an Open Account Factoring Company, which mischaracterizes the nature of the debt and violates proper classification standards.

XXXX  lists the status as Collection without confirming whether the debt is legally owed or collectible. 

Monthly payment terms are misreported ( listed as {$0.00} ), and no payments were ever made, yet the balance is unchanged for several consecutive months. 

Dispute comments state Account information disputed by consumer ( Meets requirement of the FCRA ), which implies previous disputes were made and resolvedthis is misleading as no resolution was ever communicated to me. 

XXXX. Re-aging of the Debt ( Potential FCRA Violation 15 U.S.C. 1681c ) The Date Opened is listed as XX/XX/year>, even though XXXX XXXX is the original creditor. LVNV Funding, as a debt buyer, can not use the date they purchased the debt as the " open '' date if the debt was originated prior to that. This may constitute re-aging of the account, an unlawful practice to extend the derogatory reporting period. 
4. No Notice of Debt Acquisition or Collection Efforts ( FDCPA Violation 15 U.S.C. 1692g ( a ) ) I have never received any notification from LVNV Funding
or Resurgent Capital Services informing me of their acquisition of the debt or my rights to dispute it within 30 days. This failure to notify me violates the FDCPA.

Cease and Desist Demand In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692

c ( c ) ), I am demanding that LVNV Funding LLC, Resurgent Capital Services, and any of their representatives or agents immediately cease and desist all collection efforts, communications, and reporting related to this account. This includes, but is not limited to, furnishing data to any credit reporting agencies, calling, mailing, or initiating contact in any form. Any further communication or action by LVNV Funding LLC or Resurgent Capital Services beyond this point will be documented as a willful violation and reported accordingly.

Company response to consumer: Closed with non-monetary relief