Debt collection -- Written notification about debt -- Complaint #7188303
Complaint Overview
Complaint ID: 7188303
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Jersey
ZIP Code: 07032
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the accuracy of the information on my credit report, specifically regarding a collection account that is listed under my name. According to my credit report, I owe LVNV FUNDING LLC the amount of {$710.00}. However, I possess a letter from XXXX XXXX dated XX/XX/XXXX, which clearly indicates that the debt in question is owned by Resurgent Acquisitions, LLC. This discrepancy raises serious concerns regarding the validity and accuracy of the collection account. Under the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003, it is my right as a consumer to have accurate and verifiable information reported on my credit file. Section 611 of the FCRA, codified at 15 U.S.C. 1681i, establishes the procedures for disputing inaccurate or incomplete information. I kindly request that you conduct a thorough investigation into the reported collection account and take the following actions : Validation of the Account : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV FUNDING LLC provide me with written validation of this debt, including details of the original creditor, the nature and amount of the alleged debt, and any relevant documentation supporting their claim. This validation must be provided to me within 30 days of your receipt of this letter, as mandated by the FDCPA. Compliance with Reporting Standards : If LVNV FUNDING LLC fails to provide the requested validation within the specified timeframe, I request that you remove the collection account from my credit report entirely. Under the FCRA, it is imperative that credit bureaus only report accurate and verifiable information. Given the conflicting information between my credit report and the letter from XXXX XXXX, I believe it is necessary to remove this collection entry until its validity can be properly established. Proof of Ownership : As indicated by the letter from XXXX XXXXXXXX, the debt in question is allegedly owned by Resurgent Acquisitions, LLC. I request that you contact LVNV FUNDING LLC and Resurgent Acquisitions, LLC to verify the ownership of this debt. If LVNV FUNDING LLC is unable to substantiate their ownership claim or if Resurgent Acquisitions, LLC claims ownership, the collection account should be removed from my credit report in accordance with the FCRA.
Frequently Asked Questions
What is Complaint #7188303 about?
Complaint #7188303 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-07-01T12:00:00-05:00.
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.