Debt collection -- Attempts to collect debt not owed -- Complaint #10608696
Complaint Overview
Complaint ID: 10608696
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Missouri
ZIP Code: 640XX
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am submitting a complaint regarding LVNV Funding LLC for inaccurately reporting a disputed debt on my credit report. This debt was previously disputed with XXXX XXXX, the original creditor, and subsequently removed from my credit reports due to XXXX XXXX violation of consumer protection laws. Despite this, LVNV Funding LLC purchased the debt and is now inaccurately reporting it as a collection account. I respectfully request the CFPBs assistance in ensuring the removal of this account from my credit reports with XXXX, XXXX, and XXXX. Account Details : Original Creditor : XXXX XXXX Current Creditor : LVNV Funding LLC Account Number : XXXX Open Date : XX/XX/year> Reported Balance : {$1500.00} Reported Delinquency : XX/XX/year> Debt Purchase Date by LVNV Funding LLC : XX/XX/year> Issue Summary : XXXX. Previous Dispute and Removal by XXXX XXXX : This debt was previously disputed with XXXX XXXX due to inaccuracies and consumer protection law violations. XXXX XXXX ultimately removed the debt from my credit reports, acknowledging the validity of my dispute. XXXX. Inaccurate Reporting by LVNV Funding LLC : Despite XXXX XXXX removal of the debt from my credit reports, LVNV Funding LLC purchased this account and has since reported it as a collection with an installment balance. This action disregards the original dispute and removal of the debt, resulting in misleading and incorrect information on my credit reports. XXXX. Unlawful Re-Reporting of Disputed Debt : The continued reporting of this debt by LVNV Funding LLC is in violation of consumer protection laws, as the original debt was previously disputed and removed. Their actions are causing ongoing harm to my credit and financial standing. Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the previous dispute with XXXX XXXX, I am requesting the immediate removal of this account from my credit report across all three credit bureaus.
Frequently Asked Questions
What is Complaint #10608696 about?
Complaint #10608696 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-28T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Resurgent Capital Services L.P.?
Yes, visit the Resurgent Capital Services L.P. company profile at readthecomplaint.com/company/resurgent-capital-services-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.