Debt collection -- Written notification about debt -- Complaint #18384223
Complaint Overview
Complaint ID: 18384223
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 notice of right to dispute
State: Texas
ZIP Code: 77373
Date Received: 2025-12-30T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against LVNV Funding LLC regarding an alleged collection account reporting under the names LVNV FUNDING LLC and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX ) for an alleged balance of {$390.00}, both using the same account number XXXX. I have conducted extensive research on LVNV Funding and am fully aware that this company has a long and well-documented history of state attorney general actions, CFPB enforcement matters, class action lawsuits, and consent orders for unlawful debt collection practices, including attempting to collect debts without proper documentation, robo-signing affidavits, misrepresenting ownership of accounts, and reporting unverifiable information to consumer reporting agencies. I have never received any written notice, billing statement, contract, or correspondence from XXXX XXXX XXXX or LVNV Funding regarding this alleged debt. I have no knowledge of this account, do not recognize the alleged balance, and do not know how this amount was calculated. Despite disputing this account and requesting validation, LVNV Funding failed to provide any legally required documentation under FDCPA 809 ( b ) and FCRA 611 ( a ). Specifically, LVNV did not provide : the original XXXX XXXX XXXX signed agreement a complete billing and payment history an itemized breakdown of the {$390.00} balance the date and amount of the last payment proof of legal ownership or assignment chain of title from XXXX XXXX to LVNV or any Metro 2compliant data establishing accuracy, completeness, and consistency Under federal law, a debt buyer can not legally verify or report a collection account without this documentation. Merely asserting that an account is verified is not verification. LVNVs continued reporting without proof violates FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( a ) ( reasonable reinvestigation ), FDCPA 807 ( false or misleading representations ), and FDCPA 809 ( b ) ( failure to validate ). Metro 2 standards also require that all reported data be fully supported, accurate, and complete which LVNV has failed to demonstrate. It has now been well over 30 days, and in fact months, since my validation request. The legal clock has expired. LVNV is prohibited from continuing to report or collect on this account without proper validation. At this point, even if LVNV attempted to produce documentation, it would be untimely and legally insufficient.
Frequently Asked Questions
What is Complaint #18384223 about?
Complaint #18384223 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-30T12:00:00-05:00.
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.