Consumer complaint received 2025-02-20 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:
XXXX Re : Dispute of Account Request for Validation, Cease and Desist Reporting, and Chain of Assignment Contract Account Information : Account Number : XXXX Creditor : LVNV Funding LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting about the above-referenced account on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies.

15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists.

15 U.S.C. 1641 ( Assignment of Debt ) : Requires that any assignee of a debt must provide proof of the complete chain of assignment when requested by the consumer.

15 U.S.C. 1692e ( 2 ) ( A ) ( False Representation of Debt ) : Prohibits misrepresenting the legal status of a debt, including falsely reporting it as open when it should be closed.

15 U.S.C. 1692f ( Unfair Practices ) : Prohibits attempting to collect a debt through unfair means, including resetting the statute of limitations by altering the balance.

It has come to my attention that this collection account is being reported as OPEN, which is a misrepresentation of its true status. Additionally, the balance has been changed multiple times, which appears to be an intentional attempt to reset the statute of limitations on collecting this debt. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and constitutes unfair and deceptive practices.

Demand for Immediate Deletion & Cease and Desist Order If you are unable to validate this account, provide the complete chain of assignment, or explain the discrepancies in the balance and reporting status, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). Additionally, I hereby demand the immediate deletion of this account from the following credit bureaus : XXXX XXXX XXXX Furthermore, I am issuing a Cease and Desist Order, demanding that you immediately stop reporting this account to any credit reporting agencies. 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation