Debt collection -- Written notification about debt -- Complaint #17934579
Complaint Overview
Complaint ID: 17934579
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 77072
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
LVNV Funding is reporting an account under my name even though I never created any agreement with them. I did not sign any document that hands them control of my personal information. I did not authorize them to obtain, access, store, or use anything related to my identity. I had no communication with LVNV before they placed this account on my credit file, and they have not shown any proof that I selected them to handle anything connected to me. I am not requesting statements, totals, or itemized balances. I am requesting proof that LVNV holds a direct contract with my signature. Under 15 U S C 1681e subsection b, anything reported must be supported by accurate and verifiable procedures. Reporting from a company that I never entered into an agreement with is not accurate. Under 15 U S C 1681b, a company must have a lawful reason and consumer authorization before accessing any personal information. LVNV has not demonstrated any permission from me. Under 15 U S C 1692g, a collector m ust be able to show a legitimate right to act in connection with a consumer. LVNV has not supplied anything proving that I gave them authority to represent, report, or manage anything involving my name. Under 15 U S C 1681i, when a consumer challenges an item, the company must provide documentation that supports the reporting. LVNV has not provided a document with my signature. My background situation may involve past financial hardship, but none of that creates an agreement between me and LVNV. They keep repeating canned responses about a balance. That is not what I asked for. I am requesting proof that I authorized LVNV Funding to handle my personal data in the first place. They have not provided anything that shows I gave them permission to involve themselves with my credit file. I did not choose LVNV Funding. I did not sign anything with them. I did not approve them. They have not shown any proof that they were granted access to my personal information, yet they reported on me anyway. This has damaged my credit and impacted my financial stability.
Frequently Asked Questions
What is Complaint #17934579 about?
Complaint #17934579 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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 (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.