Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, I submitted a Debt Validation Request to LVNV Funding LLC, serviced by Resurgent Capital Services L.P., regarding a debt with an original creditor listed as XXXXXXXX XXXX XXXX XXXXXXXX. The debt, in the amount of {$710.00}, was charged off on XX/XX/XXXX and later acquired by LVNV Funding LLC on XX/XX/XXXX. 

In my initial request, I asked for the following : A detailed breakdown of the debt, including any signed agreements or contracts related to the debt. 
Payment history and a clear explanation of how the amount claimed was calculated. 
Proof that the debt was assigned to LVNV Funding LLC, including any documentation showing its transfer from the original creditor. 
Information on whether this debt was securitized and sold to another entity. 
A cease and desist of all communication and collection activities until the debt was properly validated. 
On XX/XX/XXXX, the company responded, providing general statements and partial documents. However, the documentation they provided does not meet the full requirements of validation under the Fair Debt Collection Practices Act ( FDCPA ), and significant concerns remain unaddressed. 

Actions Taken : I requested full validation of the debt on XX/XX/XXXX. 
The company responded on XX/XX/XXXX, but their response was incomplete and did not include the necessary documentation outlined under the FDCPA. 
Despite my cease and desist request, the company continues to contact me regarding this debt as recently as this week ( week of XX/XX/XXXX ), in violation of FDCPA 805 ( c ). 
Violations : Failure to Validate the Debt ( FDCPA 809 ) : The company has not provided sufficient validation of the debt. They have only provided billing statements and generic documents, but failed to include critical information, such as : The original signed agreement or contract that created the debt. 
Proof of assignment that shows LVNV Funding LLCs legal authority to collect this debt. 
A detailed accounting showing how the balance of {$710.00} was calculated, including any fees, interest, or other charges. 
Ongoing Collection and Contact in Violation of Cease and Desist ( FDCPA 805 ( c ) ) : Despite my explicit cease and desist request, the company continues to contact me regarding this debt. This ongoing communication constitutes harassment under FDCPA 806 and violates my rights as a consumer. 
Reporting to Credit Bureaus While the Debt is in Dispute ( FCRA 611 ( a ) ( 1 ) ) : The company is continuing to report the debt to credit bureaus even though I have disputed the debt and they have failed to fully validate it. Under the Fair Credit Reporting Act ( FCRA ), a disputed debt can not remain on my credit report unless it has been properly validated. This continued reporting is a violation of FCRA 611 ( a ) ( 1 ) and should be addressed immediately. 
Failure to Provide Proof of Permissible Purpose for Credit Report Access ( FCRA 604 ) : I requested that the company provide the permissible purpose for accessing my credit report, as required by FCRA 604. The company has not addressed this request, leaving me to question the legality of their access to my credit file.