LVNV Funding is on your credit report and it's wrong?

Who LVNV Funding and Resurgent are

LVNV Funding is a debt buyer. According to its own website, it becomes the owner of accounts after the original creditor charges them off, and it notes that a sale does not cancel the debt. That is why consumers who never did business with LVNV find “LVNV Funding” listed as a collection on their credit reports.

LVNV does not run the accounts day to day. Its website states that LVNV outsources the management of its portfolio of accounts to Resurgent Capital Services, which it describes as a licensed third-party debt collector, and tells consumers to direct all inquiries to Resurgent. Resurgent says it has locations in Greenville, South Carolina, where it is headquartered, and Cincinnati, Ohio. Resurgent may contact consumers directly or through collection agency partners.

So the practical picture is this: LVNV is the owner listed on your report, and Resurgent handles the collection activity, payments and inquiries. When the reporting is wrong, both companies may matter.

Regulatory history

On June 28, 2012, Maryland’s financial regulator entered into a settlement agreement in a collection agency matter titled In the Matter of LVNV Funding LLC and Resurgent Capital Services Limited Partnership, as listed on the regulator’s 2012 enforcement page, which identifies the regulated activity as “Collection Agency.” It is noted here because it is a public regulatory record involving both companies, not because it says anything about your account.

Reporting errors LVNV accounts can cause

LVNV accounts often pass through more than one owner before they land on your report, and information gets lost along the way. Common errors include:

• Debts that aren’t yours. A mixed file or an identity thief’s account becomes an LVNV collection under your name.
• Wrong balances. A balance higher than the original creditor’s charge-off may include interest or fees that were not authorized.
• Paid or settled debts. You resolved the account with Resurgent, but LVNV still shows a balance.
• Bankruptcy-discharged debts. A debt discharged in bankruptcy is still reported as owed.
• Re-aged debts. Under 15 U.S.C. § 1681c, a collection account generally cannot be reported more than seven years after the 180-day period following the original delinquency. A delinquency date reset to when LVNV bought the debt keeps it on your report too long.
• Duplicates. The original creditor still reports a balance after the sale, so the same debt is counted twice.
• No dispute notation. You disputed with Resurgent, and the LVNV tradeline still does not say the debt is disputed.

How to dispute an LVNV account

1. Pull all three reports. Get them from AnnualCreditReport.com and save dated copies. Note the original creditor LVNV lists and the dates reported.
2. Dispute with each credit bureau that shows the account. Use the official dispute channels for Equifax, Experian and TransUnion. Explain exactly what is wrong and attach proof, such as a bankruptcy discharge, a paid or settlement letter, an FTC identity theft report, or statements showing the real delinquency date.
3. Also dispute in writing with Resurgent. LVNV directs all inquiries to Resurgent. Use the contact options on Resurgent’s official website, send your dispute in a way you can prove, and keep a copy. If you dispute within 30 days of the first collection notice, the FDCPA requires the collector to stop collecting until it provides verification (15 U.S.C. § 1692g).
4. Keep everything. Save results letters, confirmations and later reports.

Why both? The FCRA’s private claim against a furnisher, 15 U.S.C. § 1681s-2(b), arises only after you dispute with a credit bureau and the bureau notifies the furnisher. A dispute sent only to Resurgent does not trigger that claim. The direct dispute still matters: it creates a record, and a collector that continues to report a debt it knows is disputed without saying so can violate the FDCPA.

Your rights

• Furnisher investigation (§ 1681s-2(b)). After a bureau forwards your dispute, the furnisher must reasonably investigate, review what the bureau sends, and correct, delete or block information that is inaccurate, incomplete or unverifiable.
• Bureau duties (§§ 1681e(b), 1681i). Equifax, Experian and TransUnion must follow reasonable procedures to assure maximum possible accuracy and reasonably reinvestigate your dispute. A bureau that rubber-stamps the furnisher’s response may be liable on its own.
• Reporting limits (§ 1681c). Collections generally age off seven years after the 180-day period following the original delinquency, no matter how many times the debt is sold.
• FDCPA protections. A debt collector may not misrepresent the amount of a debt (15 U.S.C. § 1692e(2)) or communicate credit information it knows or should know is false, including failing to communicate that a disputed debt is disputed (§ 1692e(8)).

What you may recover

For negligent FCRA violations, you may recover actual damages, including credit denials, higher interest and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For willful violations, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n). Under the FDCPA, you may recover actual damages, statutory damages of up to $1,000 per action, and attorney’s fees (15 U.S.C. § 1692k).

FCRA Attorneys handles these cases on contingency. There is no fee unless we win.

Get a free case review before your deadline

FDCPA claims must be filed within one year of the violation. FCRA claims generally must be filed within two years after you discover the violation and no later than five years after it occurred. If LVNV Funding is reporting a debt that isn’t yours, a wrong balance, or a debt that should be gone, gather your credit reports and dispute records and request a free case review. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel.

Questions about suing LVNV Funding

Can I sue LVNV Funding over my credit report?

Possibly. If you dispute an LVNV collection with a credit bureau and the furnisher fails to reasonably investigate or keeps reporting inaccurate information, you may have a claim under 15 U.S.C. § 1681s-2(b). Depending on the facts, LVNV, Resurgent, or both may be proper defendants, and the FDCPA may also apply.

Why does LVNV tell me to contact Resurgent?

LVNV says it outsources the management of its portfolio of accounts to Resurgent Capital Services, a licensed third-party debt collector, and directs all inquiries to Resurgent. So letters, calls and payment arrangements usually come from Resurgent even though LVNV is listed as the owner.

I never did business with LVNV. How is it on my report?

LVNV buys accounts after the original creditor charges them off, so its name appears even though you never dealt with it. That does not mean the debt is yours or that the balance is right. If you don't recognize the underlying account, dispute it with the bureaus and in writing with Resurgent.

How long do I have to act?

An FCRA claim generally must be filed within two years after you discover the violation and no later than five years after it occurred (15 U.S.C. § 1681p). An FDCPA claim must be filed within one year of the violation (15 U.S.C. § 1692k(d)).

Related reading

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• An Account on My Credit Report Is Not Mine: What Now?
• Charged-Off Account Still Showing a Balance? When It's Accurate and When It's Not
• Examples of FCRA Violations, Matched to the Section of the Law They Break

Sources

• LVNV Funding: official website (account ownership and Resurgent servicing)
• Resurgent Capital Services: Who We Are (Greenville, SC and Cincinnati, OH locations)
• Resurgent Capital Services: Credit Reporting
• Maryland Office of Financial Regulation: Enforcement Actions 2012 (In the Matter of LVNV Funding LLC and Resurgent Capital Services Limited Partnership)

Updated November 2026. This page is general information, not legal advice.