Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I began receiving correspondence from this company Lvnv Funding, LLc. last XXXX in XXXX. They've taken me to court twice. The first time i requested information from them proving I owe this debt to them, that they own the debt, the lawyer they use to look over the paperwork, proof that I gave consent for them to obtain my personal information, documentation showing that they aren't in any of the 600 violations when it comes to the fcra. I received no response for over 5 months. XX/XX/XXXX. This company took me to a mediation hearing. I had to pay {$100.00} for a service i didn't request. They weren't going to show up to court and had 10 mins left to show up. I believe its unfair that the mediator went and called them to alert them that they were about to miss court after he told me if they don't show up within 30 mins i win the case. He called them and told me they informed him that the original lawyer was tied up with another case and it slipped his mind to reassign someone but someone will be on shortly. This was totally unethical behavior and unfair to me, because if it were myself i know they wouldn't of called to alert me. Information still wasn't presented at this mediation hearing. All they wanted was money that they couldn't prove i owe. Here is my request of information i'm needing from this company i've never had any dealings with. 

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without the UNITED STATES Principal To : XXXX. for LVNV FUNDING, LLC., XXXX XXXX, etc. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent RE : XXXX  Account # XXXX and XXXX To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 

If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.

Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) XXXX XXXX XXXXXX/XX/XXXX under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). 

If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. 


RespectfullyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Fact