Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NV)

I sent LVNV FUNDING a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that LVNV FUNDING LLC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that LVNV FUNDING LLC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. LVNV FUNDING LLC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, LVNV FUNDING LLC has committed identity theft. On my consumer reports LVNV FUNDING LLC states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from LVNV FUNDING LLC or documentary evidence that proves their claims that I owe them the alleged debt. LVNV FUNDING LLC is committing fraud and invading my consumer rights to privacy. LVNV FUNDING LLC has also caused me embarrassment and defamed my character, and harming my credit worthiness and reputation by furnishing false information on my consumer reports. Furthermore, I have never done business with LVNV FUNDING LLC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. If LVNV INC has any contractual proof of my consent or obligation of the alleged debt, they need to provide it to me in writing immediately. LVNV FUNDING LLC is violating federal law. I need answers and this matter needs to be resolved immediately.