Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Permanent Deletion, Compensation, and Cease and Desist - Account # [ Account Number, e.g., XXXX XXXX XXXX  ] with XXXX XXXX XXXX Dear Sir or Madam : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding inaccurate and unverifiable information appearing on my credit reports from XXXX, XXXX, and XXXX  ( collectively, the CRAs ) furnished by LNV Funding LLC ( the Furnisher ). I demand a reasonable investigation, permanent deletion of the disputed information, compensation for violations, and that all debt collection activities cease and desist immediately. This dispute is submitted without prejudice under UCC 1-308, reserving all my rights.

Description of the Account and Inaccuracies The account in question is with LNV Funding LLC, Account # [ e.g., XXXXXXXX XXXX XXXX  ], reported as an open collection/charge-off account with a balance of {$230.00}, Date Opened : XX/XX/XXXX, High Credit : {$230.00}, Credit Limit : {$0.00} XXXX Past Due : {$230.00}, and Last Reported dates varying by bureau ( e.g., XX/XX/XXXX for TransUnion, XX/XX/XXXX for XXXX ). The payment status is listed as Collection/Chargeoff or Late XXXX  Days, with comments such as Account seriously past due date/account assigned to attorney, collection agency, or credit grantors internal collection department and Collection account.

The primary inaccuracies include : XXXX Reporting a XXXX delinquency without any prior reporting of progressive delinquencies ( e.g., XXXX, XXXX, XXXX, XXXX, or XXXX  days late ) in the payment history profile. This violates XXXX XXXX compliance standards, which require accurate and sequential reporting of payment statuses to reflect the true delinquency progression. Under XXXX XXXX guidelines ( as outlined in the XXXX XXXX XXXX XXXX published by the XXXX XXXX XXXX XXXX ), payment history must use specific status codes ( e.g., XXXX for XXXX days past due, XXXX for XXXX days, up to XXXX for XXXX days, and XXXX for XXXX days ) in a logical sequence. Skipping to a XXXX late status without documenting the buildup is facially inaccurate and misleading. 
* Incorrect or unverifiable Date of XXXX XXXX ( XXXX ), reported as approximately XX/XX/XXXX on some bureaus, which violates 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 5 ), requiring furnishers to report the XXXX within XXXX XXXX of furnishing delinquent account information and ensuring it accurately reflects the start of delinquency. 
* Status code violations, including improper use of derogatory codes without verification, leading to an incomplete or misleading credit file. 
* The two-year payment history ( e.g., XX/XX/XXXX to XX/XX/XXXX ) shows inconsistencies across bureaus, with abrupt derogatory marks that do not align with actual payment activity. 
These inaccuracies have damaged my credit score, limited my access to credit, and caused emotional distress, financial harm, and reputational injury. 
Violations of FCRA and Related Laws The Furnisher and CRAs have violated multiple provisions of the FCRA by failing to maintain reasonable procedures to ensure the maximum possible accuracy of reported information and by not conducting proper investigations of prior disputes. Specifically : XXXX. Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting a XXXX late payment without progressive delinquencies breaches this, as it misrepresents the accounts history. In Frazier v. Equifax Information Services, LLC, No. 23-2355 ( 7th Cir. 2024 ), the court held that inaccurate late payment reporting constitutes an FCRA violation where it harms the consumers credit profile. Similarly, in cases like those discussed in The XXXX Most Notable FCRA Cases of XXXX So Far ( XXXX XXXX, XXXX ), courts have emphasized that furnishers liability under 1681s-2 ( b ) arises from failing to correct inaccuracies post-dispute. 
XXXX. Failure to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : Upon receiving a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and delete or correct unverifiable data within 30 days. The use of the e-OSCAR system for automated verification does not satisfy this ; a manual review is required for complex disputes like this. I have not received any Method of Verification ( MOV ) as required, violating 1681i ( a ) ( 6 ) ( A ). Courts in cases such as those from the XXXX XXXX XXXX FCRA litigation ( e.g., failure to correct errors ) have awarded damages for such lapses. Under the Best Evidence Rule ( Federal Rule of Evidence XXXX ), original documents ( e.g., payment records, contracts ) must be provided for verificationno originals mean no verifiable late payments. 
XXXX. Reporting Negative Information Without Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : Financial institutions must provide notice to consumers before furnishing negative information like delinquencies or late payments. No such notice was provided here. 
XXXX. Timing of Payments and Billing Errors ( 15 U.S.C. 1666b and 12 C.F.R. 1026.13 ) : Creditors must treat payments as timely if received by XXXX XXXX on the due date and can not impose late fees without reasonable procedures. The abrupt delinquency reporting suggests non-compliance. 
XXXX. Obsolete or Outdated Information ( 15 U.S.C. 1681c ) : Negative items like late payments can not be reported beyond XXXX years from the XXXX. The reported DOFD is inaccurate, rendering the entire entry obsolete. 
XXXX. Permissible Purpose and XXXXisclosure ( 15 U.S.C. 1681b ) : Any communication of misleading information, including via XXXX ( an electronic system ), constitutes improper disclosure. Uploading false data through XXXX may involve misleading electronic communications, potentially implicating wire fraud statutes ( 18 U.S.C. 1343 ), though I demand civil remedies under FCRA. 
XXXX. Affiliate Disclosures ( 15 U.S.C. 1681s-3 ) : Any sharing of information among affiliates must be clearly disclosed with an opt-out opportunity, which was not provided. 
Additionally, the Furnishers role must be accurately reported under XXXX XXXX and FCRA 1681e ( b ). Non-compliance with XXXX XXXX standards for payment history and delinquency levels ( e.g., requiring sequential reporting ) further violates accuracy requirements. 
In XXXX XXXX rulings like those expanding FCRA liability ( XXXX ), inaccuraciesfactual or legalare actionable if they mislead reasonable readers of credit reports, as adopted in XXXX XXXX cases ( XXXX ). 
Demands XXXX to FCRA XXXX and XXXX ( b ), I demand : XXXX. A thorough, manual investigation ( not automated e-OSCAR processing ) of the disputed information, including review of all provided evidence. 
XXXX. Permanent deletion of the entire XXXX XXXX XXXX account from my credit files across all CRAs within 30 days, as the information is inaccurate and unverifiable. 
XXXX. Compensation for actual damages ( e.g., higher interest rates, denied credit ), statutory damages up to {$1000.00} per violation under 1681n and 1681o, punitive damages for willful noncompliance, and attorney fees if litigation ensues. I estimate damages at [ insert reasonable estimate, e.g., {$5000.00} ] based on harm caused. 
XXXX. Provision of updated credit reports showing the deletions. 
XXXX. Written confirmation of the investigation results, including the Method of Verification and copies of all documents reviewed.

Under FDCPA 1692c ( c ), I hereby demand that XXXX XXXX XXXX and any associated collectors cease and desist all further communication and debt collection activities regarding this account, including but not limited to phone calls, emails, internet communications, regular mail, and credit reporting. Any further contact will be considered harassment and subject to FDCPA penalties. 
Failure to comply will result in legal action in federal court, seeking all available remedies under FCRA, FDCPA, and state laws. I have documented all communications and am prepared to pursue claims for willful violations. 
Please respond in writing within XXXX  days.

Company response to consumer: Closed with non-monetary relief