Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported by LVNV Funding LLC with the original creditor listed as XXXXXXXX XXXX XXXX XXXXXXXX. The account number ending in [ last four digits ] is being reported inaccurately and inconsistently across all three credit bureaus. I have previously disputed this account directly with XXXX, XXXX, and XXXX, but it continues to appear with multiple factual errors and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Below are the specific inaccuracies and compliance violations I have identified : 1. Conflicting Account Status The account is alternately reported as Collection, Charge-off, and Derogatory, which are separate statuses under FCRA and XXXX XXXX standards. A debt can not be both a charge-off and a collection at the same time.

2. Impossible Date Activity The Date Opened is shown as XX/XX/XXXX, but Date Last Active is reported as XX/XX/XXXX, which is in the future and impossible. This suggests illegal re-aging of the account and violates FCRA 623 ( a ) ( 5 ).

3. Duplicate Delinquency Reporting The Pay Status is listed as Collection, yet the Two-Year Payment History continues to show ongoing late payments ( 5 codes ) through XXXX and XXXX. Once an account is in collection, no new payment history should be reported. 
4. Balance / Past Due Inconsistency The account shows a balance of {$940.00} and a high balance of {$940.00}, yet Past Due is alternately shown as or {$940.00}. Once sold or assigned to a collector, the original creditors past due amount should be {$0.00}.

5. Disputed Account Improperly Maintained The comments read Account information disputed by consumer, meets FCRA requirements. However, no verifiable documentation has been provided. Continuing to report without actual verification violates FCRA 1681s-2 ( b ) and 1681i ( a ).

6. Inconsistent Removal Date The estimated removal date is listed as XX/XX/XXXX, which does not match the original delinquency timeline. This again indicates possible re-aging of the debt to extend its reporting period.

7. Missing Verification Evidence No signed agreement, billing statements, or valid chain of assignment proving LVNV Fundings ownership of this debt have been provided despite multiple disputes.

8. Ambiguous Bureau Coding The account data fields ( Bureau Code, Account Type, and Account Detail ) appear to be miscoded and inconsistent across bureaus, violating FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ).

9. Improper Ongoing Updates The account continues to update monthly as if active, despite showing no monthly payment obligation. This misleads lenders and damages my creditworthiness.

10. Potential Double Reporting It is likely that XXXX XXXX XXXX also reported a charge-off for this same account, resulting in duplicate negative reporting for a single obligation.

Because of these numerous inconsistencies, the account can not be verified under the reasonable investigation standard set by FCRA 611 ( 15 U.S.C. 1681i ). I am therefore requesting that the CFPB compel LVNV Funding LLC and the credit bureaus to either : 1. Provide documented verification from the original creditor showing my liability and LVNVs legal right to report this debt ; or 2. Permanently delete this account from all credit reports due to unverifiable, inaccurate, and conflicting data.

Continued reporting of inaccurate information after dispute constitutes willful noncompliance under FCRA 616 and misrepresentation under FDCPA 807 ( 2 ) ( A ). I respectfully request the CFPBs assistance to ensure full deletion and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation