Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11263767
Complaint Overview
Complaint ID: 11263767
Company: Resurgent Capital Services L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 33612
Date Received: 2024-12-25T12:00:00-05:00
Date Sent to Company: 2024-12-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX SSN : XXXX LVNV FUNDING po box XXXX XXXX, SC XXXX XX/XX/year> To Whom This May Concern, I am writing this letter to formally address and dispute inaccuracies within my credit report, as reported by your agency. The misrepresented information is not only hindering my ability to secure credit but is also adversely impacting my financial stability and tarnishing my creditworthiness. Enclosed with this correspondence, you will find comprehensive details pertaining to the disputed account, including all necessary personal information to facilitate a swift resolution. In accordance with the provisions outlined in 15 US Section 1681i of the Fair Credit Reporting Act, I am formally requesting an investigation into these items. I kindly request that you furnish proof of these discrepancies, specifically the contract documentation bearing my signature. In the absence of such evidence, I urge you to promptly update the record to reflect " PAID IN FULL/AS AGREED '' or expeditiously remove this item from my credit report. The inaccurately reported item, identified as follows, is a critical error that requires immediate attention : LVNV FUNDING LLC & XXXX Despite being classified as a collection/charged-off account on my credit report, I have not received a 1099C for this charged-off debt. I request the issuance of a 1099C to accurately denote this as a charge-off for tax purposes and request an update to my credit report accordingly. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I am aware that these discrepancies may appear minor, but they carry significant consequences when it comes to major life decisions such as securing a home, obtaining a vehicle, seeking a business loan, or even gaining employment. I respectfully request an expedited resolution to this matter. Your immediate attention to this issue is greatly appreciated. Thank you for your prompt assistance in rectifying these discrepancies. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11263767 about?
Complaint #11263767 was filed against Resurgent Capital Services L.P. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-25T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.