Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12127308
Complaint Overview
Complaint ID: 12127308
Company: Resurgent Capital Services L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: 37129
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because of inaccurate and incomplete credit reporting. On or about XX/XX/year> and XX/XX/year>, I submitted formal disputes through XXXX to a debt collection company called LVNV Funding as named as a furnished on my credit reports. The dispute was regarding the incompleteness and accuracy of the account 's open date and date of major delinquency failing to be reported in the tradeline 's payment history 's ratings entry. I was specific in my dispute, but the results of the dispute came back " verified '' while not actually being resolved. I have concluded that this issue constitutes a violation under the Fair Credit Reporting Act ( FCRA ) per section 1681s-2b for failure to conduct a reasonable investigation. I have reason to believe this is an act of willful non-compliance on the furnisher 's part considering multiple disputes were submitted each month consecutively. Additionally, this furnisher is also a " debt buyer ''. LVNV is under strict liability as it is regulated under the Fair Debt Collection Practices Act ( FDCPA ). Considering that the misreported, disputed information was verified while not actually being accurate constitutes a violation under the FDCPA per sections 1692e ( 10 ), 1692e ( 2 ) ( A ), and 1692d because LVNV failed to report complete and accurate information regarding the major delinquency status of the tradeline and the tradeline 's open date which are both missing from the payment history section of the disputed tradeline. In conclusion, this complaint is a result of inaccurate credit reporting and deceptive debt collection practices by a debt collector.
Frequently Asked Questions
What is Complaint #12127308 about?
Complaint #12127308 was filed against Resurgent Capital Services L.P. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-18T12:00:00-05:00.
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.