Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Subject : FORMAL FCRA & XXXX XXXX DISPUTE DEMAND FOR DELETION ( LVNV FUNDING / RESURGENT ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX SSN : XXXX Date:XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX * RE : FORMAL DISPUTE FCRA & XXXX XXXX NON-COMPLIANCE LVNV FUNDING LLC / RESURGENT CAPITAL SERVICES Partial Acct # XXXXXXXX XXXX XXXX XXXX, This letter constitutes a FORMAL, AGGRESSIVE DISPUTE under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding the above-referenced collection account being reported by LVNV Funding / Resurgent Capital Services on my XXXX  credit report. 

This account is being reported in a manner that is materially inaccurate, incomplete, misleading, and technically non-compliant with XXXX XXXX standards, and therefore must be deleted. 

FACTUAL AND TECHNICAL DEFECTS According to XXXX  own reporting : - Original creditor : XXXX XXXX XXXX  - Collection agency : LVNV Funding/ Resurgent - Alleged balance : {$750.00} - Payment history : No payment data reported - Monthly payment : Not reported - Terms : Not reported - Scheduled payment amount : No data - Actual payment amount : No data - Payment received dates : No data - Status : Collection account past due as of XX/XX/XXXX - Account information shows continuous No Data entries across multiple months Despite claiming compliance with the FCRA, this account lacks the minimum data required to be verifiable. 



XXXX XXXX REPORTING VIOLATIONS XXXX  is publishing information that violates XXXX XXXX XXXX Reporting Guidelines, including but not limited to : Incomplete Mandatory Fields XXXX XXXX requires accurate population of : - Scheduled payment amount - Actual payment amount - Payment received date - Terms and account condition This tradeline reports No Data across nearly every required field, rendering it technically invalid. 

Improper Collection Coding A collection account can not lawfully be reported without : - A complete payment history - Clear delinquency start date - Proper account status chronology This account displays status updates with no underlying transactional data, which is prohibited under XXXX XXXX. 

Unverifiable Balance Claim The alleged {$750.00} balance is reported without a payment ledger, charge-off statement, or itemization, making the balance unsupported and unverifiable. 

Failure to Establish Legal Authority LVNV Funding has not demonstrated : - Assignment documentation - Proof of ownership of the alleged debt - Authority to report this account XXXX XXXX prohibits reporting collection data absent substantiated ownership and accuracy. 



FAIR CREDIT REPORTING ACT VIOLATIONS XXXX  is currently in violation of : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681s-2 ( a ) ( 1 ) Reporting information that is misleading or incomplete FORMAL DEMAND FOR DELETION Because this account can not be verified to XXXX XXXX or FCRA standards, I am demanding that XXXX  : DELETE THIS ACCOUNT IN ITS ENTIRETY If XXXX  contends that this account is verifiable, you must provide : 1. The complete XXXX XXXX field-level data furnished by LVNV Funding 2. The method of verification used in your reinvestigation 3. A complete payment history and itemized balance 4. Proof of LVNV Fundings ownership and authority to report 5. Documentation establishing the date of first delinquency Failure to comply within the statutory period will result in immediate escalation to : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Pennsylvania Attorney General - Civil litigation for willful non-compliance This letter serves as formal notice and final opportunity to cure. 

Govern yourselves accordingly. 

XXXX XXXX

Company response to consumer: Closed with explanation