Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX ( AKA XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX : XXXX Collection Agency : Resurgent Capital Services LP / LVNV Funding LLCContact : ( XXXX ) XXXX : XXXX : XXXX XXXX ( XXXX ) XXXX | XXXX Addresses : Physical : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX : XXXX XXXX XXXX, XXXX, SC XXXX XXXX Disputes : XXXX XXXX XXXX, XXXX, SC XXXX XXXX Account XXXX : XXXX Creditor : Credit OneFirst Contact with Collection Agency : XX/XX/XXXX XXXX XXXX Dispute and Validation Request : XX/XX/2025 Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX ( XXXX ) XXXX Material Facts : I am filing a formal complaint against Resurgent Capital Services LP , operating as LVNV Funding LLC, for knowingly placing a fraudulent collection account on my credit report despite prior notification that the debt was fraudulent and had been disputed. 

On XX/XX/2025, I contacted the agency, reported identity theft, disputed the debt, and requested validation. Although I received confirmation that the account was closed due to fraud, on XX/XX/2025, I discovered a new derogatory entry on my credit report for {$970.00}, listed as opened on XX/XX/2025. 

I spoke with representative XXXX XXXX, who confirmed that the account had been closed due to fraud and that my documents were received via the web portal on XX/XX/2025. However, the account was still reported to the credit bureaus. This has caused me financial harm and resulted in my denial for financing a handicap-accessible van, critical for my health and independence. 

Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) : 1692e ( 2 ) ( A ) : Misrepresentation of the legal status of a debt.

1692e ( 8 ) : Reporting information known to be false.

1692e ( 10 ) : Use of deceptive means to collect a debt.

12 CFR 1006.18 : False or misleading representations in debt collection. 

Fair Credit Reporting Act ( FCRA ) : Duty to report only accurate information. 

Statutory damages : {$100.00} {$1000.00} per violation. 

The denial of financing for an accessible vehicle is a tangible and severe consequence. 

Regulation F ( 12 CFR 1006.30 ) : Validation is required before furnishing debt information.

Must observe a 14-day undeliverability notice window.

Debt identified as identity theft must not be sold, transferred, or collected ( 15 U.S.C. 1681m ( f ) ( 1 ) ). 

Estimated Damages : Statutory Damages : FDCPA : Up to {$1000.00} FCRA : Up to {$1000.00} per willful violationSubtotal : {$1000.00} {$2000.00} minimum statutory Actual Damages : Category Estimated Amount Lost vehicle financing ( van ) {$10000.00} $ XXXX Higher credit interest/losses $ XXXX Out-of-pocket costs ( transport ) $ XXXX XXXX XXXX impact {$5000.00} {$15000.00} Subtotal : {$18000.00} {$45000.00} depending on documentation Punitive Damages ( If Litigated ) : Possible additional $ XXXX if conduct is deemed egregious and intentional Total Potential Liability : Minimum ( Statutory + Documented ) : ~ {$20000.00} Maximum ( Including Punitive ) : {$50000.00} $ XXXX Resolution Requested : Immediate removal of the fraudulent LVNV Funding account from all credit bureaus. 

A full investigation of Resurgent Capital Services / LVNV Fundings conduct. 

Financial compensation for out-of-pocket losses and emotional distress. 

Enforcement action and fines from the CFPB. 

Additional Notes : This situation has caused significant financial and emotional distress. As someone XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, this undue stress has impacted my well-being and dignity. The denial of accessible transportation due to inaccurate credit reporting has compromised my daily life and safety. 

I respectfully urge the CFPB to take swift and appropriate action to hold Resurgent Capital Services/ LVNV Funding accountable. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation