Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX Attempt : I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. I firmly believe that these accounts are unjustly defamation to my character and jeopardizing my financial livelihood. What concerns me is that LVNV Funding LLC possesses my personal information without my consent or authorization from XXXX XXXX I did not grant XXXX XXXX permission to disclose my personal information to LVNV Funding LLC. I insist that all communication from your organization cease immediately, unless it is to discuss a remedy for the violations committed. It is crucial to emphasize that LVNV Funding, as an unauthorized third party, has no legal right to access or share my personal information. I kindly request the immediate removal of the listed accounts below : 1 ) LVNV FUNDING LLC/Original creditor : XXXX XXXX Account Number XXXX balance {$5500.00}. In accordance with section 605B of the Fair Credit Reporting Act. I request that you conduct a thorough re-investigation of this account and provide me with the following information to validate the debt : 1. A copy of the original signed contract or agreement between myself and the original creditor. 2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied. 3. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor in the STATE of GEORGIA. 4. Proof that I have a contract with LVNV FUNDING LLC bearing my signature... .I am not liable for the debt with XXXX XXXX. I do not have a contract with Lvnv Funding LLC. When I requested they provide me with original contract, they did not provide one. I have been subjected to harassment ( per 1692 d ) through mail, emails, and phone calls per ( 1692 d ( 5 ), and a sheriff has even been dispatched to my address to serve court papers for debt that is not mines. As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this disputed debt until its validity is confirmed. The actions of XXXX XXXX  and LVNV FUNDING LLC are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.