Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX Via CFPB Portal THIRD ATTEMPT Resurgent Capital Services L.P . 
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To Whom It May Concern : Your response dated XX/XX/XXXX, demonstrates a continued pattern of evasion and non-compliance with federal law. This will serve as my final attempt to resolve this matter through the CFPB portal before pursuing additional legal remedies. 

Your latest response is legally deficient for the following reasons : XXXX. Willful Violation of FDCPA Verification Requirements : - You continue to ignore the explicit requirements of 15 U.S.C. 1692g ( b ) by failing to provide proper debt validation - Your statement that you have " satisfied [ your ] obligation to provide all relevant documentation '' is conclusory and false - The FDCPA requires you to provide verification of the debt, not merely assert its validity 2. Ongoing FCRA Violations : - While you acknowledge reporting the debt as disputed, you continue to report unverified information - This violates 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ), which requires you to conduct a reasonable investigation - Your failure to remove the tradeline despite being unable to verify the debt constitutes willful noncompliance XXXX. Chain of Title Deficiencies : - Your refusal to provide documentation of the alleged XX/XX/XXXX acquisition is telling - Without evidence of proper assignment, you lack standing to collect this debt - See LVNV Funding, LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX. Pattern of Non-Compliance : - This marks your third inadequate response - Your repeated failure to provide basic documentation suggests either inability to verify the debt or willful obstruction - Such behavior may constitute an unfair practice under 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) DEMAND FOR IMMEDIATE ACTION : 1. Remove all tradelines related to this account from all credit reporting agencies within 5 business days 2. Provide written confirmation of said removal 3. Cease all collection activities permanently NOTICE OF INTENT : If these demands are not met within XXXX business days, I will : 1. File a federal lawsuit under the FDCPA and FCRA seeking maximum statutory damages, actual damages, and attorney 's fees 2. Submit formal complaints to : - The Texas Attorney General 's Consumer Protection Division - The Federal Trade Commission - The South Carolina Department of Consumer Affairs ( your licensing authority ) 3. Seek class certification for similarly situated consumers affected by your practices Your continued evasion and non-compliance have exhausted all administrative remedies. Be advised that this letter and all previous correspondence will be submitted as evidence of your willful violations of federal law. 

This communication is for the purpose of dispute resolution only and does not constitute an acknowledgment of any debt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission Texas Attorney General 's Office South Carolina Department of Consumer Affairs