Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a formal Debt Validation Letter, Certified Mail, Return Receipt Requested to Resurgent Capital Services L.P., the collector for LVNV Funding LLC, regarding an alleged debt from XXXX XXXX XXXX  XXXX ( Account Number : XXXX ). My correspondence specifically requested full validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Approximately two weeks later, on or about XX/XX/XXXX. I received a response from Resurgent Capital Services L.P. containing an Account Summary Report. Unfortunately, this response failed to provide proper debt validation for several reasons : First, they did not provide an original contract or agreement. The Account Summary Report specifically states, It is not a credit card or other account statement from the original creditor. No copy of the original service agreement or contract with XXXX XXXX XXXX  XXXX, bearing my signature or otherwise legally binding me to this debt, was included. 

Second, there was no itemized breakdown of the account. No full accounting of all charges, fees, interest, or payments from the inception of the account was provided. 

Third, there was no proof of chain of title. I did not receive any legal documentation ( such as a bill of sale or assignment ) to demonstrate a clear and unbroken chain of title for this specific debt from XXXX XXXX XXXX  XXXX to LVNV Funding LLC, and to show that Resurgent Capital Services is authorized to collect on their behalf. 

Despite these deficiencies, Resurgent Capital Services L.P. stated in their letter that there does not appear to be sufficient information to support your claim of the inaccuracy, and threatened to return the account to active collection. 

Additionally, their own Account Summary Report highlights a significant inaccuracy in how this debt is reported to the credit bureaus, which constitutes a violation of FDCPA 15 U.S.C. 1692e ( 8 ) as well as Fair Credit Reporting Act ( FCRA ) obligations : Their report lists the origination date with the original creditor as XX/XX/XXXX. 
Their report also states the account was acquired on or about XX/XX/XXXX. 
However, my XXXX  credit report ( Account Number : XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX ) lists the Date Opened as XX/XX/XXXX, while showing a Date of First Delinquency as XX/XX/XXXX. It is not possible for an account to be delinquent before it was opened. Their own documentation confirms that the Date Opened on my credit report is actually their acquisition date, not the true origination date, which is misleading and inaccurate. 

By failing to provide full validation as required by 15 U.S.C. 1692g ( b ), and by continuing to report inaccurate information and threaten further collection without proper validation, Resurgent Capital Services L.P. and LVNV Funding LLC are violating my rights under the FDCPA and FCRA. They are required to immediately cease collection activity and remove all reporting from the credit bureaus until accurate validation is provided and all inaccuracies are corrected. 

Passed AI Detector check.

Company response to consumer: Closed with non-monetary relief