Debt collection -- Attempts to collect debt not owed -- Complaint #6220864
Complaint Overview
Complaint ID: 6220864
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30039
Date Received: 2022-11-18T12:00:00-05:00
Date Sent to Company: 2022-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).
Frequently Asked Questions
What is Complaint #6220864 about?
Complaint #6220864 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 2022-11-18T12:00:00-05:00.
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 (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.