Consumer complaint received 2024-07-31
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. (NY)

Subject : Dispute Regarding LVNV/CARE OF RESERGENT CAPITAL SERVICES Debt Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> CARE OF RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number XXXX Dear LVNV Funding, I am writing to formally dispute the debt associated with the account number ending in [ XXXX ], which you have reported on my consumer credit report. After careful review, I have identified several inaccuracies and deficiencies in the information you provided. Please consider the following points : Lack of Last Payment Date : The information you furnished lacks clarity regarding the last payment date. As a consumer, I have the right to accurate and complete details about the debt, including payment history. Without this crucial information, I am unable to verify the accuracy of the debt. 

Inaccuracies in Reporting Dates : Upon reviewing my credit report, I noticed discrepancies in the reporting dates associated with this account. It is essential that all reporting accurately reflects the timeline of this debt. Please provide a comprehensive breakdown of the reporting history, including the initial delinquency date and subsequent updates. 

Violation of Consumer Rights : a. 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding has failed to provide validation information as required by this regulation. Without proper validation, placing a collection on my consumer report is unjust and misleading. b. 12 CFR 1006.34 ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. It is my right to challenge the accuracy of any debt reported against me. c. False, Misleading, and Deceptive Practices : I believe LVNV Fundings actions violate my consumer rights. The use of misleading information misrepresents the true nature of this debt. d. 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding must adhere to legal requirements when furnishing account information to consumer reporting agencies. Failure to provide necessary disclosures is a clear violation. 
Requested Actions : Validation Information : Please provide all relevant documentation validating this debt, including the original creditors details, a complete payment history, assignment records and proof indicating my authorization for this account. Also include the official purchase agreement between you and the original creditor. 
Correction of Reporting Dates : Ensure that the reporting dates accurately reflect the accounts history. 

Cease and Desist : Until proper validation is provided, I request that LVNV Funding cease all collection activities related to this account. 

Removal from Credit Report : If validation can not be provided, I request that LVNV Funding promptly remove this account from my credit report. 
I appreciate your attention to this matter and expect a timely response. Please send all correspondence to the address listed above. Remember that my rights as a consumer are protected by federal law, and I will take further action if necessary. 

Thank you for your cooperation in resolving this dispute promptly. 

Sincerely, XXXX XXXX