Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX Funding / Resurgent WebBank/Fingerhut ) RE : Formal Dispute Demand for Deletion of Inaccurate XXXX Funding Collection Account Collection Agency / Debt Buyer : XXXX Funding Servicer : XXXX XXXX XXXX Original Creditor : XXXX / XXXX Account Number : XXXX Reported Balance : {$200.00} Date Opened ( reported ) : XX/XX/XXXX Status Updated : XX/XX/XXXX To Whom It May Concern, I am submitting a formal dispute regarding the above-referenced XXXX Funding account appearing on my TransUnion credit report as of XX/XX/XXXX. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and must be immediately investigated and permanently deleted due to inaccurate, incomplete, and unverifiable reporting. 



FCRA VIOLATIONS BY XXXX 1. Reporting Incomplete and Unverifiable Information FCRA 602 ( A ) & 607 ( b ) The account is missing critical and required information necessary to verify accuracy : No payment history No status field ( paid, charged-off, open, closednothing listed ) Company Sold but no proof of legal chain of assignment No date of last payment No terms No delinquency date XXXX  is required to report maximum possible accuracy, which is violated here.

2. Failure to Properly Verify Debt Buyer Reporting FCRA 611 ( a ) LVNV Funding is a debt buyer, not the original creditor. Debt buyers often receive incomplete data, and the reporting can not be verified with what was supplied. 

Any unverifiable account must be deleted. 



3. Reporting Account Information Without Required Supporting Data FCRA 605B ( a ) A collection tradeline must include accurate and complete data elements. Missing fields = legally incomplete account.

If data is missing, the account must be corrected or deleted.

FDCPA VIOLATIONS BY LVNV FUNDING/ RESURGENT 1. No Proper Validation of the Alleged Debt FDCPA 809 ( a ) I have never received : Proof of original creditor ownership Proof of a valid assignment from XXXX to LVNV Itemized accounting of the {$200.00} balance Original signed contract or agreement Without full validation, LVNV Funding can not legally furnish or report this debt. 



2. Continuing Collection Activity Without Validation 809 ( b ) Reporting to XXXX is a collection activity.

LVNV Funding is reporting this debt without validating it, which is a violation. 



3. Misrepresentation and Inaccurate Reporting FDCPA 807 ( 8 ) Reporting an unvalidated, incomplete, or misleading tradeline constitutes deceptive collection activity. 



FORMAL DEMAND FOR IMMEDIATE ACTION Because the reporting is legally deficient, incomplete, and unverified, I demand : Permanent Deletion of the LVNV Funding Account OR Complete Validation of the Following Required Information XXXX. Chain of title from XXXX LVNV Funding 2. Proof of ownership and legal assignment 3. Full itemized breakdown of the {$200.00} balance 4. Original executed contract with my signature 5. Accurate payment history and terms 6. Correct account status 7. Date of first delinquency Failure to provide all required information means the account must be removed under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation