Product: Debt collection

To : LVNV Funding, LLC Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Resurgence Capital Services Attn : Correspondence Department XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation and Inaccuracies in Reported Accounts Account Numbers : XXXX, XXXX Reply to complaint ( XXXX ) Dear Resurgence Capital Services and LVNV Funding , I am following up on the response I received regarding the CFPB complaint I filed against LVNV Funding. Despite my previous request for a cease-and-desist, LVNV Funding continues to report inaccurate and unvalidated accounts across all three of my credit reports, and potentially other reports that I am unaware of. 

In your recent communication, you included verification documents that contain clear inaccuracies when compared to the information being reported to the credit bureaus. While you have requested that I identify these discrepancies, I find this request unreasonable. As outlined in the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the data furnishers, such as Resurgence Capital Services and LVNV Funding to ensure the accuracy of the information they report, or to delete any disputed accounts. 

First, you have failed to properly validate the alleged debts in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Second, the verification documents youve provided do not support the information you are reporting, which constitutes a violation of the FCRA. Furthermore, it appears that LVNV Funding has shared my non-public personal information with additional parties, including Resurgence Capital Services and XXXX XXXX XXXX, without my consent. This unauthorized sharing of my non public information adds to the growing list of violations LVNV Funding has already committed. Upon reviewing public records, I found that both LVNV Funding and Resurgence Capital Services have previously lost lawsuits for similar violations. 

If Resurgence Capital Services continues to service for LVNV Funding while knowing the ongoing fraudulent actions, I will consider this a case of willful non-compliance. Please find attached your original response to my first complaint ( XXXX ) for reference. 


As a result, I am forwarding a copy of this letter/ Complaint to both LVNV Funding and Resurgence Capital Services , as both of your organizations are now jointly liable for these unlawful actions. It is my hope that this matter can be resolved quickly, and that we can come to a reasonable settlement for the damages caused by these ongoing errors and violations. 

Failure to rectify these issues will leave me with no choice but to take further action to protect my rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act and any other consumer protection laws. Please consider this letter as a formal request to resolve this matter in a timely manner. 

I expect a prompt response to this letter and an immediate resolution of these issues. This response does not reset the 30 day limit given from the receipt of the original mail correspondence to LVNV Funding. 

Sincerely, XXXX XXXX please respond to my CFPB complaint and the From mailing address listed above.