LVNV Funding and Resurgent Capital Services on your credit report

Who LVNV Funding and Resurgent Capital Services is

LVNV Funding owns accounts opened with other creditors, such as credit cards, loans and service contracts, that were charged off and sold. LVNV says it outsources management of its accounts to Resurgent Capital Services, a licensed third-party debt collector that may contact you directly or through one of its collection agency partners. Resurgent says it has operated since 2004.

How its accounts show on your credit report

On a report the owner usually shows as LVNV Funding, while letters and calls can come from Resurgent or from an outside agency Resurgent hired. Three names can all point to one debt. In the CFPB database, complaints about these accounts are filed under Resurgent Capital Services L.P., and about a quarter of them in the window shown were credit reporting complaints.

Complaints to the CFPB

The Consumer Financial Protection Bureau's public complaint database lists 24,958 complaints naming LVNV Funding and Resurgent Capital Services received from October 1, 2025 to September 30, 2026. The most common issues: attempts to collect debt not owed; took or threatened to take negative or legal action; false statements or representation. The CFPB publishes complaints without verifying every claim in them. See the complaints.

How to ask LVNV Funding and Resurgent Capital Services to validate a debt

LVNV's site directs all inquiries to Resurgent. Resurgent's site lists P.O. Box 10497, Greenville, SC 29603 and 1-888-665-0374. If an outside agency sent the validation notice, write to the dispute address on that notice, since that is the collector working the account.

Ask within 30 days of the first notice and the collector has to pause collecting until it sends verification. The letter builder writes a validation request for free.

What to do if this name is on your report

1. Pull all three reports. Get them free at AnnualCreditReport.com and find the account, its balance and its date of first delinquency.
2. Check the dates and the amount. A collection can report for 7 years from the original delinquency, not from when the collector bought it. A newer date can mean re-aging.
3. Ask for validation if you don't recognize it. Send the request in writing and keep a copy.
4. Dispute what is wrong. Dispute with each bureau that shows an inaccurate item, and with the collector directly.
5. Decide on payment with the facts in hand. Read should you pay a collection before you agree to anything.

Guides that go deeper

• Debt validation: your right to make a collector prove the debtFederal law gives you 30 days after a collector's validation notice to dispute in writing and force it to pause. How the clock works and what to send.
• When the same debt shows up twice on your credit reportOne debt can legitimately appear as two tradelines, but only one should show a balance. How to tell a normal pair from a duplicate, and how to dispute it.
• Should you pay a collection account? How to decidePaying a collection doesn't remove it, and the score effect depends on the model. How to decide, what to verify first, and how to pay safely.
• How zombie debt and illegal re-aging bring old debts backZombie debts are old, paid, or wrong debts that resurface after a sale. Re-aging is reporting a newer delinquency date. How to spot and fight both.
• What debt collectors can and can't do under the FDCPA and Reg FFederal limits on debt collectors: the 7-in-7 call rule, 8 a.m. to 9 p.m. hours, work and social media limits, email opt-outs, and cease letters.