Product: Debt collection

I am filing this formal complaint against LVNV Funding, LLC and its network of associated collection agencies for unlawful debt collection practices, deceptive and misleading information, improper credit reporting, threats of legal action without follow-through, and continued collection attempts after a cease and desist request. 

LVNV Funding, LLC has multiple third-party agencies attempting to collect on a debt allegedly originating from XXXX XXXX XXXX , but they have failed to provide any legally required documentation verifying the debt, my rights to dispute, or their legal authority to collect. 

Violations and Issues 1. Deceptive Threats of Legal Action via Email Without Validation Notices Over the past several months, I have received multiple emails from various collection agencies representing LVNV Funding, LLC, stating that if I do not pay within a few days, the debt will be turned over to the court for legal action. 
Despite these threats, no lawsuit has ever been filed, and I have never received any written validation or notice of my right to dispute this alleged debt, as required under XXXX U.S.C. XXXX ( a ) ( FDCPA ). 
These emails appear to be false threats intended to intimidate me into paying without verification, which is a violation of XXXX U.S.C. XXXX ( 5 ) ( FDCPA ), prohibiting debt collectors from threatening legal action they do not intend to take. 
The only communication I have ever received from these agencies has been through these emailsnever through written letters, despite the law requiring them to notify me of my rights. 

2. Collection Attempts After a Cease and Desist Request Violation of FDCPA During my conversation with XXXX XXXX XXXX XXXX, I formally requested debt validation and asked for a breakdown of all charges, payments, and ownership records. 
Instead of fulfilling my request, the manager abruptly imposed a cease and desist without my consent and then hung up on me. 
Less than 24 hours later, I received a call from XXXX XXXX XXXX ( XXXX ) about the same LVNV account, as well as a completely separate debt that is beyond the statute of limitations. 
I also received an email from XXXX, yet another collection agency attempting to collect on the same LVNV account. 

This is a clear violation of XXXX U.S.C. XXXX ( c ) ( FDCPA ), which prohibits continued collection attempts after a consumer has requested a cease and desist. LVNV is clearly using multiple agencies to bypass this legal restriction. 

3. Deliberate Evasion of Collection Laws Using Multiple Agencies I initially spoke with Resurgent Capital Services, who stated they were the collection agency handling the debt for LVNV Funding, LLC. 
When I inquired about validating the debt and possibly settling the account, they redirected me to XXXX XXXX XXXX XXXX instead. 
XXXX XXXX XXXX XXXX then gave me a phone number they claimed belonged to LVNV Funding, LLC. However, when I called, I realized it was just another number for Resurgent Capital Services, not LVNV directly. 
When I called Resurgent back, they changed their story again, now claiming to be an answering service for LVNV Funding, LLC, rather than a collection agency. 
I was then contacted by XXXX XXXX XXXX ( XXXX ) about this same LVNV account the very next day, despite the fact that I had explicitly disputed the account and had been told a cease and desist was placed on it. 
XXXX then emailed me regarding the same LVNV debt, meaning LVNV is actively allowing at least four different collection agencies to attempt to collect the same alleged debt at the same time. 

This behavior is highly deceptive and appears to be an intentional attempt to prevent consumers from enforcing their rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

4. Misrepresentation of LVNV Funding, LLCs Role Debt Buyer or Collection Agency? 
I have directly asked each of these companies whether LVNV Funding, LLC is a debt buyer or a collection agency. 
None of the companies will provide a direct answer, and each one gives conflicting information about LVNVs role. 
If LVNV owns the debt, they are a debt buyer and must provide verification upon request. 
If LVNV is acting as a collection agency, they must comply with debt collector regulations under the FDCPA. 

This lack of transparency is a violation of consumer protection laws and makes it impossible for me to validate or resolve the matter appropriately. 

Cease and Desist Demand Under XXXX U.S.C. XXXX ( c ) ( FDCPA ), I am formally demanding that LVNV Funding, LLC and all associated collection agencies immediately : 1. Cease all collection attempts on this alleged debt, including phone calls, letters, emails, or any other form of communication. 
2. Cease all reporting of this account to credit bureaus unless full legal validation is provided, including : A copy of the original signed contract with XXXX XXXX XXXX 
A full and detailed payment history including interest and fees. 
The complete chain of ownership showing how LVNV Funding, LLC legally acquired this debt. 
Proof that this account has not been re-aged in violation of the FCRA. 
3. Provide full disclosure of LVNV Funding, LLCs role Is LVNV a debt buyer or an active collection agency? 
4. Explain the relationship between Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX XXXX