Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

I have XXXX alleged debit collections with Third Party collection company Resurgent Capital Services L.P., Address : XXXX XXXX XXXX XXXX, MI XXXX : XXXX. REFRENCE ID : XXXX Account XXXX Current Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX  XXXX XXXX : {$920.00} XXXX. REFERENCE ID : XXXX Account XXXX  XXXX Current Owner LVNV Funding LLC Original Creditor : XXXX  XXXX XXXX XXXX : {$300.00} I never sign any contracts with alleged " Owner '' LVNV Funding LLC or with Resurgent Capital Serices for both of above accounts. 

I asked both companies to provide me with my " wet signature '' with both of those companies, I asked them to provide me with full history of payments, I asked them to provide to provide me with exact date when those accounts were first time in a default, I asked both of these companies to provide me a proof that they have right to collect debit or their price of purchase for those XXXX alleged debits with XXXX XXXX XXXX  and XXXX  XXXX XXXX. I did send both companies all above and " Cease and Desist '' Notice, via mail. 

Both of those companies did not provide me with any above debit validations, my wet signature or details on default date or full history payments. Those companies are Third Parties Debit XXXX, they are not Owner of this alleged debit neither provided me with debit requested validation of above details. 
Further more, both companies ignored my Cease And Desist Notice. 
LVNV Funding LLC is not Owner of this alleged debit neither has my wet signature and used deceiving practice of re-aging old accounts. 

Account with XXXX XXXX XXXX  was charged XXXX on : XX/XX/XXXX. 

Account with XXXX  XXXX XXXX was charged Off on XX/XX/XXXX Those account is Charged Off and by Certificate of Indebtedness and as a Charged Off accounts, XXXX  XXXX XXXX and XXXX XXXX Bank did filed IRS as a " loss '' and write Off. 
I filed those amount with IRS as an income on my Taxes, accepted by IRS and, an income can't be reported with Credit Bureaus. 

I never gave written, non-written, verbal or no verbal permition to any of the companies to furnish this alleged debit reporting to Credit Bureaus, as well. 

By Privacy Act 1974 this is violation of my rights.

Now I am formally demanding that Resurgent Capital Services L.P. and LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. 

Moreover, a consumer report is considered a " medium of communication '' as established in the case *Purnell v. Arrow Fin. Servs., LLC*, 303 F. Appx 297 ( 6th Cir. 2008 ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. 

Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue. 

Those accounts must be removed from my Credit reports or XXXX XXXX will be filed.