Product: Debt collection

XX/XX/year>XXXX RE XXXX XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Current Owner ( s ) : Resurgent Receivables LLC / LVNV Funding LLC ( Conflicting Ownership Claims ) Reference Number : XXXX Dear CFPB, I am writing to provide additional information and concerns regarding my complaint against Resurgent Receivables LLC and LVNV Funding LLC concerning the above-referenced account. Their response not only fails to validate the alleged debt properly but also contradicts itself regarding ownership, raising serious compliance concerns under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 16921692p ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 16811681x ). Additionally, they continue to communicate with me despite stating they would cease, further violating consumer protection laws. 

XXXX. Inadequate Debt Validation ( Violation of 15 U.S.C. 1692g ) Under the FDCPA 1692g ( b ), a debt collector must provide adequate validation of an alleged debt when disputed. However, Resurgent/LVNV has failed to do so for the following reasons : The account summary provided was prepared by Resurgent Capital Services, not the original creditor, and explicitly states it is not a credit card statement or original creditors record.

The credit card statements provided do not serve as legal validation of the debt, as they do not prove ownership transfer or validate the amount owed under 1692g ( a ) ( 4 ). 
No signed agreement was provided linking me to this alleged debt, which is required to prove liability. 

2. Ownership Confusion and Deceptive Practices ( Violations of 15 U.S.C. 1692e ) Under the FDCPA 1692e, it is illegal for a debt collector to use false, deceptive, or misleading representations in connection with debt collection. However : Resurgents response to my CFPB complaint states that Resurgent Receivables LLC owns the account, yet on XX/XX/year>, I received an email stating that LVNV Funding LLC now owns the debt. 

On XX/XX/year>, I received another email stating that LVNV Funding LLC outsources portfolio management to Resurgent Capital Servicesa contradiction that makes it impossible to determine the actual creditor.

This conflicting information raises serious compliance concerns, as misrepresenting ownership violates FDCPA 1692e ( 2 ) ( A ) ( false representation of the character or legal status of a debt ). 

3. Unlawful Continued Communication After Cease & Desist ( Violations of 15 U.S.C. 1692c ( c ) ) In their response, Resurgent stated they would cease communication regarding the disputed account. 

However, I have received XXXX separate collection emails from XXXX after their promise to cease communication : XX/XX/year> : Stating that LVNV Funding LLC now owns the account. 
XX/XX/year> : Offering me a " payment option '' to settle the debt. 
XX/XX/year> : Attempting to persuade me to pay {$420.00}, stating, Give us the opportunity to prove to you how easy it can be to get rid of this debt. 


This is a clear violation of 15 U.S.C. 1692c ( c ), which prohibits further communication after a consumer requests it to stop.

4. Unauthorized Disclosure of My Personally Identifiable Information ( Violation of 15 U.S.C. 1692b ( 2 ) ) Resurgent/LVNVs response publicly disclosed the last XXXX digits of my Social Security number ( SSN : XXXX ) in a formal CFPB complaint response. 
Under FDCPA 1692b ( 2 ), a debt collector may not disclose a consumers personal information to a third party unless required by law.

Including my SSN in their response was unnecessary and a clear violation of my privacy rights.

5. Reporting to Credit Bureaus Without Proper Verification ( Violations of FCRA 15 U.S.C. 1681s-2 ( a ) ) Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit bureaus must ensure that information is accurate before reporting it.

Since Resurgent/LVNV has failed to validate this debt, any credit reporting is unlawful and constitutes a violation of FCRA 1681s-2 ( b ).

They are required to delete this information from my consumer report if they can not provide sufficient proof, which they have failed to do.

6. Requested Resolution Based on these violations, I formally demand the following actions : Immediate deletion of this account from all consumer reporting agencies ( XXXX, XXXX, XXXX ). 
Immediate cessation of all communication from Resurgent Receivables LLC, LVNV Funding LLC, and their affiliates regarding this disputed debt. 

A full investigation by the CFPB into Resurgent/LVNVs deceptive practices, including : The contradictions regarding debt ownership.

Their unauthorized disclosure of my Social Security number.

Their continued collection attempts after promising to cease communication.

Monetary compensation of {$1000.00} per violation of FDCPA regulations, as outlined under 15 U.S.C. XXXX ( a ) ( 2 ) ( A ).

Resurgent and LVNVs deceptive and unlawful practices violate multiple consumer protection laws, and I request immediate action from the CFPB to enforce compliance. Please confirm receipt of this letter and provide an update on the next steps regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX