Debt collection -- Attempts to collect debt not owed -- Complaint #14561131
Complaint Overview
Complaint ID: 14561131
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29229
Date Received: 2025-07-09T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> Via Certified Mail Return Receipt Requested LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Subject : Formal Dispute of Alleged Debt Failure to Validate Under Federal Law To Whom It May Concern, This letter serves as formal notice of dispute regarding the alleged accounts referenced below. Accounts : XXXX, XXXX, XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are legally required to provide full validation of any debt you claim I owe. I am demanding strict proof that LVNV Funding LLC has the legal standing to report and collect on this debt. This includes but is not limited to : XXXX. Proof of Ownership & Legal Standing - A copy of the original signed contract between myself and the original creditor, explicitly proving I agreed to this debt. - A complete chain of title showing the legal assignment of this debt from the original creditor to LVNV Funding LLC. Mere data printouts or generic account statements are not sufficient. 2. Complete and Itemized Accounting of Alleged Debt - A detailed breakdown of how the balance was calculated, including all principal, interest, fees, and charges. - A copy of all account statements from the original creditor showing each transaction leading up to the alleged balance. 3. Proof of LVNV Funding LLCs Right to Report This Debt - A signed contract between LVNV Funding LLC and the credit bureaus demonstrating your permissible purpose under 15 U.S.C. 1681b to report this debt on my consumer report. 4. Affidavit from Original Creditor - A sworn affidavit from the original creditor verifying that the balance LVNV Funding LLC claims to be collecting is accurate, legitimate, and that the debt was not forgiven, settled, discharged, or otherwise resolved prior to being sold. Failure to Comply Will Result in Legal Action Under 15 U.S.C. 1692e, any false, deceptive, or misleading representationincluding reporting unverifiable debtconstitutes a violation of federal law. Furthermore : - If you fail to validate this debt, you must immediately delete it from my credit report. Continuing to report an unverified debt is a direct violation of the FCRA and FDCPA, subjecting LVNV Funding LLC to statutory damages of up to {$1000.00} per violation plus actual damages, attorney fees, and court costs. - If you continue collection activity without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for unfair and deceptive practices. Time-Sensitive Demand Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you have provided the requested documentation. You have 30 days from receipt of this letter to fully validate this debt or delete it from my records. If you fail to respond appropriately, I am fully prepared to pursue legal action against LVNV Funding LLC for violations of federal consumer protection laws. This letter serves as formal notice, and I expect written confirmation within 30 days that this matter has been resolved. Govern yourselves accordingly Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14561131 about?
Complaint #14561131 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 2025-07-09T12:00:00-05:00.
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.