How to Remove LVNV Funding LLC From Your Credit Report

If LVNV Funding LLC just showed up on your credit report, you’re not alone—and you’re not stuck with it forever. Here’s what you need to know about who they are, why they’re contacting you, and how to get them off your credit reports for good.

Who Is LVNV Funding LLC?

LVNV Funding LLC is a debt buyer based in Las Vegas, Nevada. They purchase charged-off debts—mostly from credit card companies—and try to collect on them for a profit.

They don’t typically collect the debts themselves. Instead, they use a company called Resurgent Capital Services, located in Greenville, South Carolina, to handle the collection process.

What Kind of Debt Does LVNV Funding Buy?

LVNV Funding focuses on unsecured debt, especially from major credit card issuers. Some of the original creditors they’re known to purchase accounts from include:

• Bank of America
• Capital One
• Chase
• Credit One Bank
• Citibank
• HSBC
• Wells Fargo
• Best Buy
• Sears

If one of your old accounts was sold off, LVNV Funding may now legally own it—and they may report it as a collections account on your credit report.

Is LVNV Funding a Legitimate Company?

Yes, LVNV Funding LLC is a real company—not a scam. That said, they often use aggressive collection tactics like repeated calls, emails, and letters. It can feel invasive, especially if the debt isn’t yours or is already outdated.

Why Is LVNV Funding on My Credit Report?

LVNV Funding shows up on your credit report because they bought a past-due account from a lender and reported it to the credit bureaus. It may be listed under different names, including:

• lvnv
• lvnvfundg
• lvnv collections
• lvnv funding llc credit one bank

Even if it’s there, it doesn’t always mean the debt is accurate or valid. Mistakes in reporting are common—wrong amounts, outdated info, or debts that aren’t yours at all.

Can You Remove LVNV Funding From Your Credit Report?

Yes. You have a few options depending on the situation:

• If the account has errors: Dispute it with the credit bureaus.
• If it’s a valid debt: Try negotiating a pay-for-delete agreement.
• If you’re not sure where to start: Consider working with a credit repair company.

Collections can lower your credit score and stay on your report for up to seven years, so it’s worth addressing as soon as possible.

LVNV Funding / Resurgent Capital Services Contact Information

• Main Address:
  LVNV Funding LLC
  55 Beattie Pl
  Greenville, SC 29601
• Mailing Address:
  LVNV Funding LLC
  PO Box 10497
  Greenville, SC 29603
• Phone Number: (888) 665-0374

Should You Contact or Pay LVNV Funding?

Don’t rush to pay anything before doing your homework.

First, make sure the debt is actually yours and still legally collectible. Debts past the statute of limitations can’t be sued over, and paying them could restart the clock—hurting your credit even more.

If you’re unsure, speak with a credit expert before calling LVNV Funding. A professional can help you review your credit report and determine the best move.

Can LVNV Funding Sue or Garnish Your Wages?

Yes, they can—but they don’t always.

If you ignore their attempts to collect, they may decide to sue you. If they win the case, they could get a judgment that allows them to garnish your wages or freeze your bank account, depending on your state’s laws.

But lawsuits are costly, so this is usually a last resort. That said, don’t take the risk lightly—especially if you’ve received a court summons.

Complaints Against LVNV Funding and Resurgent Capital

LVNV Funding and Resurgent Capital have received thousands of complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate information on credit reports
• Harassment or repeated contact
• Refusal to validate a debt

If you’re experiencing any of these, you have legal rights and can file a complaint. You’re protected under both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).

5 Steps to Remove LVNV Funding From Your Credit Reports

Here’s how to take control and get LVNV off your credit report:

1. Request Debt Validation: Send LVNV a written request to validate the debt. They must prove the debt is yours and that they have the legal right to collect. If they can’t verify it within 30 days, they must remove it from your reports.
2. Review Your Credit Reports: Look for duplicate entries or other errors. If multiple agencies are reporting the same debt, dispute each one with the credit bureaus.
3. Check Their Response for Errors: If they reply, review every detail. Wrong account numbers, amounts, or dates can be enough to get the item removed.
4. Dispute With the Credit Bureaus: If LVNV claims the debt is valid but you still find issues, submit a formal dispute to Equifax, Experian, and TransUnion. You can do this online or by mail.
5. Negotiate a Pay-for-Delete Agreement: If the debt is legit and you’re ready to settle, offer to pay a portion of the balance in exchange for having the item deleted from your credit report. Get everything in writing before sending payment.

Know Your Rights When Dealing With LVNV Funding

Debt collectors must follow strict rules. Here’s what the FDCPA protects you from:

• They cannot report false or incomplete information.
• You have the right to ask for written proof that the debt is real and accurate.
• They cannot harass or threaten you.
• They must clearly identify themselves as debt collectors.
• They cannot lie, curse, or threaten jail time.

If LVNV violates any of these rules, report them to the CFPB or your state attorney general’s office.

Final Thoughts

Collections are stressful—but they’re not permanent. Whether the debt isn’t yours, is past the statute of limitations, or could be settled, you have options worth exploring.

If you’d rather not handle it on your own, Credit Saint is a top-rated credit repair service that’s helped thousands of clients clean up their reports and resolve accounts from companies like LVNV Funding. They also back their work with a 90-day money-back guarantee.

Visit their website or call (855) 281-1510 to get your free consultation.