Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am formally disputing the continued reporting of a collection account from LVNV Funding LLC ( Resurgent Capital Services, account ending in * XXXX ), which appears on my XXXX  credit report dated XX/XX/year>, under Confirmation # XXXX. This account is now listed as closed but still reflects a balance of {$1100.00}, despite being marked as a collection account. This dispute is not a duplicate. It is based on new information that has appeared on my updated XXXX  report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the accuracy and legality of this accounts reporting. To begin, this debt is not mine, and I believe it may be the result of identity theft, though I am not submitting a police report at this time. I am invoking my rights under FCRA 602A ( 4 ), 611 ( f ), and 609 ( e ), which allow for a consumer to dispute unauthorized accounts without requiring a police report. Additionally, there has been no original creditor named, and no signed contract or application has been provided to verify a valid consumer obligation. The account lacks a documented chain of custody or forward flow agreement to prove legal assignment to LVNV Funding LLC. There is also no payment history or original terms included in this reporting, which are necessary to prove accuracy and consumer liability. Moreover, under FCRA 611 ( a ) ( 5 ) ( A ), if a credit furnisher can not verify an account with documented evidence, the item must be deleted. Under 623 ( a ) ( 1 ) ( A ), any information that is inaccurate or incomplete is a violation of the statute. I also demand disclosure of how this account was verified under 609 ( a ) ( 1 ), the method of verification rule. The account balance is over {$600.00}, and therefore falls under IRS 1099-C reporting rules. If this debt was canceled, settled, or forgiven, and no 1099-C was issued, this violates tax reporting requirements and further invalidates continued collection or balance reporting. Additionally, the account is reporting in violation of Metro 2 data formatting standards, which require accurate account status, creditor classification, and data fields such as the original creditor and balance reporting codes. A closed collection account should not reflect an active balance, and the absence of transfer details or creditor lineage also violates Metro 2 protocols. This inaccurate reporting also violates FCRA 607 ( b ), which requires all consumer information to be reported with the maximum possible accuracy.

Given these issues, I am demanding the immediate permanent deletion of this account from my XXXX  credit report. It is inaccurately reporting, lacks verifiable documentation, may be fraudulent, and violates both credit reporting and consumer protection statutes. Please confirm the deletion in writing. This dispute is based on updated data and is not redundant.

Company response to consumer: Closed with explanation