Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13855941
Complaint Overview
Complaint ID: 13855941
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: Arkansas
ZIP Code: 720XX
Date Received: 2025-06-02T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
lvnv funding XXXX XXXX {$690.00} XXXX Subject : Unlawful Collection Account Reporting FDCPA & FCRA Violations This debt collector has reported a collection account to my consumer credit file without my authorization, consent, or legal validation. I never signed any agreement with this company. No contract exists between us. Under the Fair Debt Collection Practices Act ( FDCPA ), this constitutes a deceptive and unfair practice, in violation of federal consumer protection laws. They also failed to provide proper validation within five days of initiating collection activity, which violates Section 809 of the FDCPA. No notice was received, no documents were provided, and I was given no opportunity to dispute this debt prior to it being reported to the credit bureaus. I assert that this account is fraudulent, unauthorized, and not related to any transaction I initiated. I suspect that my personal identifying information may have been used without my knowledge, and this is now being reviewed by the Federal Trade Commission. Under 15 U.S.C. 1692k, I am entitled to {$1000.00} per violation of the FDCPA. Under 15 U.S.C. 1681s-2 ( b ), any furnisher that continues to report disputed information without conducting a full investigation is also in violation of the FCRA. If this account is not deleted from all three major consumer reporting agencies immediately, I will proceed with the following : A lawsuit under the FDCPA and FCRA Complaints to the FTC, CFPB, and my State Attorney General A civil claim for damages, including emotional distress and credit denial losses This is your final notice to delete this unverifiable and fraudulent account. This company failed to meet its legal obligations under federal law. I am requesting that the CFPB enforce deletion of this collection account and take regulatory action against this debt collector.
Frequently Asked Questions
What is Complaint #13855941 about?
Complaint #13855941 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 2025-06-02T12:00:00-05:00.
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.