Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX {$850.00} Opened XXXX XXXX, XXXX  Reported XXXX. XXXX, XXXX  Balance Updated XXXX. XXXX, XXXX  {$1600.00} Opened XXXX XXXX, XXXX  Reported XXXX. XXXX, XXXX  Balance Updated XXXX. XXXX, XXXX  I am writing to formally dispute the actions of LVNV Funding LLC regarding the alleged debts. I believe that your company has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the relevant regulations under 12 CFR 1006.34. The specific issues I am raising are as follows : XXXX. Lack of Proper Notification LVNV Funding LLC has failed to provide me with a notice within XXXX days of receiving the alleged accounts, as required by 15 U.S.C. 1692g ( a ). This failure has denied me the opportunity to assess or dispute the alleged debts. If your agency believes it has provided proper notification, I request that you furnish the certified receipts bearing my signature as proof. 

XXXX. Incorrect Credit Reporting LVNV Funding LLC has inaccurately updated the last date of activity on my credit report despite no payment ever being made to your agency. This constitutes a clear violation of the FDCPA and infringes upon my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Failure to Provide Validation Information LVNV Funding LLC has failed to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet has placed multiple collections on my consumer report. I have not been afforded the opportunity to dispute the accounts as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

XXXX. Violation of Disclosure Requirements Your agency has reported these accounts to a consumer reporting agency without furnishing the disclosures required by 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which is a clear violation of federal law. 

Request for Information I am unaware of the debts that you claim I owe and believe your actions are in clear violation of the FDCPA and related regulations. I kindly request that you provide the following information : The amount of the alleged debts. 

The name and address of the original creditors. 

A copy of the original agreement between myself and the original creditors. 

A detailed explanation of how the amount claimed was calculated. 

A copy of any judgment obtained against me. 

Proof that LVNV Funding LLC is licensed to collect debts in my state. 

A copy of the agreement authorizing LVNV Funding LLC to collect these alleged debts, as well as any assignment of the debt from the original creditors to your company. 

Dispute of Debts and Cease Communication Request Please note that I dispute owing any and all debts that you claim I owe. Until these matters are fully clarified, I consider this matter to be in dispute. 

Pursuant to 15 U.S.C. 1692c ( c ), I request that your office cease all communication with me by email, text, or phone call. I intend to resolve this matter in writing only. 

If your office fails to respond to this dispute within 30 days from the date of receipt, I demand that all references to these accounts be deleted from my credit file, and I expect to receive written confirmation of such deletion. 

Conclusion I am formally disputing the validity of the debts you are attempting to collect and expressing serious concern regarding your failure to provide timely notice as required by the FDCPA. As of this date, I remain unaware of the alleged debts and did not have the opportunity to dispute this information in a timely manner.