Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11276066
Complaint Overview
Complaint ID: 11276066
Company: Resurgent Capital Services L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 76017
Date Received: 2024-12-24T12:00:00-05:00
Date Sent to Company: 2024-12-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against LVNV Funding LLC due to their failure to provide validation for a debt they are reporting on my credit file. Despite my formal request for validation of this alleged debt, LVNV Funding LLC has not provided any evidence to substantiate that this account belongs to me or that I am legally obligated to pay it. Additionally, the reporting of this debt contains inaccuracies and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violations Identified : Failure to Validate Debt 15 U.S.C. 1692g ( b ) ( FDCPA ) : After I disputed this debt and requested validation, LVNV Funding LLC failed to provide any proof that I owe this debt. They have not supplied : Documentation from the original creditor. A signed contract or agreement proving my liability. A breakdown of how the {$420.00} balance was calculated. Evidence that they have the legal authority to collect this debt. Potential Fraudulent Reporting I am unaware of this debt, and I have never signed any agreement or contract related to it. The continued reporting of this account without proper validation suggests it may be reported fraudulently. Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information. The account is misclassified as both " Open '' and " Collection/Charge-Off, '' which is misleading and inaccurate. The " Date Last Active '' ( XX/XX/year> ) is fabricated, as no payment or activity occurred. The missing " Date of Last Payment '' and conflicting reporting of a $ 0 monthly payment with a {$420.00} balance further demonstrate inaccuracies. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit reporting agencies must investigate disputes thoroughly. LVNV Funding LLC has failed to verify this account or substantiate its accuracy. 15 U.S.C. 1681c ( a ) ( 4 ) : Adverse information older than seven years is not permitted. LVNV Funding LLC has not provided clear information on when this debt originated or proof that it is still within the reporting timeframe. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt. The conflicting account details violate this provision. 15 U.S.C. 1692e ( 8 ) : Failure to communicate that the debt is disputed while continuing to report it to credit bureaus. Inconsistent Reporting Across Credit Bureaus : The payment history differs across credit bureaus. For example, XXXX lists the account as " CO '' for recent months, while XXXX shows " OK '' for the same periods. This lack of consistency highlights errors in reporting. The comments section alleges serious delinquency without providing supporting evidence. Actions Requested : Immediate Resolution : Remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ) due to LVNV Funding LLC 's failure to validate the debt or prove its accuracy. Provide written confirmation that this account has been permanently removed. Investigation : Investigate LVNV Funding LLCs compliance with FCRA and FDCPA regulations, specifically their practices related to debt validation and accurate reporting. Impose appropriate penalties on LVNV Funding LLC for failing to fulfill their legal obligations under federal law. I request the immediate removal of this unverifiable and inaccurate account from my credit reports. I also seek written acknowledgment from LVNV Funding LLC and the credit bureaus confirming the resolution.
Frequently Asked Questions
What is Complaint #11276066 about?
Complaint #11276066 was filed against Resurgent Capital Services L.P. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-24T12:00:00-05:00.
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 (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.