Consumer complaint received 2020-09-28
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX SSN ; XXXX DOB : XX/XX/XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX Debt Collector : LVNV FUNDING LLC Open Balance : {$690.00} To : XXXX  XXXX XXXX, According to Section 609, I am disputing this debt in accordance to the Fair Credit Reporting Act. Please remove the item mentioned above, as I explain in detail according to the law why It must be removed. 

I am sending this letter to you in response to a collection that was in my ( credit bureau report. ) Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. Please remember to include a notarized signature and a copy of my driver license matching me. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your office to my home or to my place of employment. If your office attempts telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct my records, any information obtained shall be used for that purpose. 


Best Regards XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$160.00} Original Creditor : XXXX  Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$390.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY XXXX/XXXX  XXXX  ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$690.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  Past Due : > $ XXXX< Pay Status : >In Collection<Date XXXX Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : XXXX XXXXDate Updated:XXXXOriginal Amount : {$280.00} Original Creditor : XXXX Pay Status : >In Collection<Date Closed:XXXX Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX i disputed these 4 items in collections on my credit report. i spoke with XXXX  4 times trying to clear up this matter. i am very upset and frustrated to find out from talking to the rep that the certified mail that i made copies of and sent to XXXX  was missing a specific document that i know i mailed to them. XXXX  decided to verification instead of validation. its has been well over 30 days without validation since they recieved my disputes. they are reporting false info. on my report and i would like it removed

Company response to consumer: Closed with explanation