Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX Resurgent Capital Services/LNVN XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute of Debt - Reference Number XXXX Dear Resurgent Capital Services, I am writing to formally dispute the debt listed on your collection notice dated XX/XX/XXXX. This debt is incorrect and should not be attributed to me. 
After a thorough review of my all my credit reports with the three different credit reporting agencies ; XXXX, XXXX, and XXXX, I found no record of an outstanding debt with XXXX XXXX XXXX XXXX, associated with the account number ending in XXXX. I had an account with XXXX XXXX XXXX XXXX in XXXX which was paid for in full and closed by me. However, the last four numbers of the account number you provided does not match any of my records. The notice you provided lacks credibility in the information listed and is in error with the laws. Copy included.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide the following information to verify the validity of this debt : 1. Financial Records : - A detailed statement of account showing all transactions, including the opening, and closing dates, all charges, and all payments made on this account.

- Documentation showing the current outstanding balance and how it was calculated.

2. Original Credit Agreement : - A copy of the original credit agreement for this account, including all terms and conditions.

3. Proof of Debt Transfer : - A copy of the bill of sale and purchase agreement related to the transfer of this alleged debt from XXXX XXXX XXXX XXXX to
Resurgent Capital Services/LVNV.

4. Proof of Debt : - Any supporting documentation, such as a judgment or court order, which proves I owe this debt.

- Verification of the complete chain of ownership of this debt from the original creditor to the current debt owner.

5. Statute of Limitations : - Information regarding the applicable statute of limitations for this debt in my state of residence.

Please note that I am disputing the validity of this debt. As such, I request that you place a cease on all collection activities related to this account until you have provided the requested information and verified the debt 's validity. This includes, but is not limited to, ceasing all phone calls, letters, and credit reporting activities. I have received multiple calls from a XXXX exchange. I do not answer, and I am assuming that those calls are related and are not in compliance with the law as far as identification and harassment to the number of calls received daily exceeds one per day. I have copies of all the phone records.

Furthermore, I request that you do not report this disputed debt to any credit reporting agencies. If you have already reported it, please notify them immediately that this debt is disputed.

I am prepared to take further legal action if necessary to protect my rights under the FDCPA and FCRA.

Please send all future correspondence and the requested information to the address listed above. I expect a response within 30 days, as required by law.

Thank you for your prompt attention to this matter.