Consumer complaint received 2025-06-27 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 XXXX! 
To : LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Debt Validation Request & Notice of Inaccurate Reporting Account No. XXXXXXXX XXXX XXXX XXXX XXXX Dispute under XXXX XXXX. XXXX, XXXX, XXXX, and Applicable Consumer Law To Whom It XXXX Concern : I am writing to formally dispute the information being reported regarding the above-referenced account appearing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as reported XXXX LVNV Funding LLC. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 

XXXX is reporting an alleged balance of {$21000.00}, with an original open date of XX/XX/XXXX, and conflicting Date Last Active entries ( XX/XX/XXXX vs XX/XX/XXXX ). These discrepancies and other legal deficiencies in your reporting warrant immediate attention. 

I. Request for XXXX XXXX and XXXX of XXXX As required by XXXX XXXX. XXXX ( b ), I hereby demand full validation of the alleged debt, including but not limited to : A copy of the original application or agreement bearing my wet-ink signature showing consent to the terms and the right to collect ; Documentation of the chain of assignment, including bill of sale ( XXXX ), contract ( XXXX ), and all transfer documents from the original creditor to LVNV Funding LLC XXXX XXXX that you or any prior assignee had legal standing to collect or report the debt ; Documentation that the debt was not XXXX, forgiven, or charged off in a manner requiring a Form XXXX, which has not been provided to me. 

Without this documentation, XXXX lacks standing to report, collect, or enforce this debt. A charge-off typically triggers debt cancellation under IRS regulations XXXX XXXX XXXX XXXX ), requiring issuance of a XXXX No such issuance has been received. 

XXXX. XXXX XXXX Violations and XXXX XXXX XXXX XXXX reporting is noncompliant with XXXX XXXX guidelines, violating the data accuracy obligations imposed under FCRA XXXX : Reporting an open account status after charge-off contradicts the XXXX XXXX XXXX ( charged-off accounts are closed ) ; A monthly payment of {$0.00} is inconsistent with the claim that this is an open or active account ; Date Last Active fields are inconsistent across bureaus ( XX/XX/XXXX vs XX/XX/XXXX ), showing evidence of re-aging, a serious FCRA violation ; Late XXXX  Days and XXXX  statuses reported concurrently suggest either duplicate derogatory remarks or internal inconsistency ; Absence of dispute codes such as Compliance Condition Code XB, despite this being a disputed debt. 

These irregularities materially misrepresent the nature, status, and accuracy of the alleged debt, thus violating XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( duty to report accurately ). 

XXXX. XXXX & XXXX If this debt was securitized, the originating creditor likely assigned its rights to a trust or pool, extinguishing any claim LVNV XXXX assert. See XXXX Bank XXXX XXXX v. XXXX, XXXX XXXX. XXXX ( XXXX ). I demand disclosure of whether this account was part of a trust agreement, XXXX, or similar asset-backed security structure, and whether XXXX is XXXX true holder in due course. 

IV. Applicable Caselaw Supporting My Rights XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind. XXXX XXXX. XXXX ) : Misreporting unverifiable data is an actionable offense under the FCRA. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to disclose material terms is deceptive and violates FDCPA. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A collector XXXX not pursue collection or reporting absent full validation. 

V. Demand for Action In accordance with federal law, you are required to : Cease all collection activity until full and proper validation is provided ; Delete all derogatory entries related to this account from XXXX XXXX XXXX XXXX if the debt can not be validated with proper documentation ; Provide a written response with the documents outlined above within XXXX  days of receipt of this letter. 

Please note that failure to respond adequately or continued inaccurate reporting will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) ; Additional complaints to the FTC, State Attorney General, and Office of the Comptroller of the Currency ( if applicable ) ; Legal action under FCRA and FDCPA, including statutory XXXX  under XXXX U.S.C. XXXX and XXXX. 

This is a bona fide dispute under both state and federal law. Treat this letter as notice to all relevant CRAs and as part of your reinvestigation obligation under FCRA XXXX. 

Sincerely, [ XXXX ] XXXX XXXX XXXX s. XXXX XXXX XXXX Il XXXX

Company response to consumer: Closed with non-monetary relief