Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
this in response to XXXX the window closed during my process Consumer Dispute of Alleged Debt & Demand for Removal Due to Violations of Federal Law To Whom It May Concern This is a formal dispute and demand under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
I do not recognize or consent to the tradeline being reported under the name LVNV Funding or any similarly named entity. Despite written requests, no original wet-ink signature contract, purchase agreement, or valid assignment has been provided that establishes a lawful right to collect or report this alleged account. 
Per my investigation, these entities appear to be part of the same chain of title under similar corporate identities. This was not disclosed and may constitute fraudulent concealment. 
As no remedy has been provided and negative reporting continues, I consider this activity to be in violation of the FCRA ( 15 U.S.C. 1681 et seq. ), FDCPA ( 15 U.S.C. 1692g ), and the Privacy Act, where applicable. The refusal to produce valid documentation after multiple requests, along with the continued reporting, constitutes a willful and negligent violation of my consumer rights.

I therefore declare this as unauthorized use of my name and personal information, and consider this tradeline to be the result of identity theft.

As of the date of this letter, you have failed to provide : A signed contract establishing any legal obligation ; A copy of the original security instrument ; Purchase agreement with transfer of debt and notice to consumer ; Chain of assignment with SEC disclosures if debt was securitized.

In support of this dispute, I cite : Clark v. Capital Credit & Collection Servs., 460 F.3d 1162 ( FDCPA failure to validate ) Cushman v. TransUnion, 115 F.3d 220 ( FCRA duty of reasonable investigation ) Dennis v. BEH-1 , LLC , 520 F.3d 1066 ( FCRA improper reporting without verification ) I reserve all rights under federal law. If this tradeline is not removed within 15 days, I will pursue formal complaints with the CFPB, FTC, and may initiate civil remedies under the FCRA and FDCPA for damages and injunctive relief.Under 15 U.S.C. 1692g ( b ), I formally dispute the validity of the alleged debt you are reporting. I request full debt validation, including the name of the original creditor, contract, chain of assignment, and a full accounting of the amount claimed.

Continuing to report or collect without validation violates the FDCPA, as upheld in Clark v. Capital Credit, 460 F.3d 1162.

Furthermore, I dispute this tradeline with the credit bureaus under 15 U.S.C. 1681i. Under Cushman v. TransUnion, a reasonable investigation is required, not blind reliance on furnishers.

If this tradeline is not verifiable within 30 days, it must be deleted. Continued reporting without validation may constitute willful noncompliance ( Richardson v. Equifax, 2004 WL 1123201 ).

Cease and desist all collection activity until this matter is resolved and validation is provided.

Company response to consumer: Closed with explanation