Debt collection -- Attempts to collect debt not owed -- Complaint #10777564
Complaint Overview
Complaint ID: 10777564
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: Ohio
ZIP Code: 44122
Date Received: 2024-11-12T12:00:00-05:00
Date Sent to Company: 2024-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir or Madam, I am writing to formally lodge a complaint against LVNV Funding LLC concerning an unauthorized and incorrect claim on my credit report. On XX/XX/year>, LVNV Funding LLC reported a debt of {$4000.00}, allegedly originating from an account with XXXX XXXX XXXX, to my credit profile. It is important to note that I have never opened, maintained, or had any association with an account at XXXX XXXX XXXX I believe this claim to be fraudulent and an incorrect reflection on my credit report, causing potential harm to my credit standing and financial reputation. I am unable to find any legitimate basis for this debt and have received no prior communications from XXXX XXXX XXXX or LVNV Funding LLC regarding any such account. Despite my attempts to resolve this matter directly with LVNV Funding LLC by requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), I have not received an adequate response. The lack of clear communication and failure to provide validation of the alleged debt has resulted in significant distress and inconvenience. I am escalating this issue to your office to seek assistance in investigating this matter and ensuring that LVNV Funding LLC complies with federal regulations regarding debt collection practices. I request that the FTC intervene to address this discrepancy and prevent further misreporting that could adversely affect my XXXX XXXX. Attached to this letter are copies of relevant correspondence, including my dispute letter to LVNV Funding LLC and a copy of my credit report reflecting the disputed entry. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and safeguarding consumers like myself from unwarranted credit claims. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10777564 about?
Complaint #10777564 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 2024-11-12T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". 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.