Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

Resurgent Capital Services contacted me around early XX/XX/2023 via mail and email informing me that they are attempting to collect a debt for LVNV Funding. On XX/XX/2023 I submitted a request through Resurgent 's website in an attempt to validate the original debt. When I submitted the online request to validate the debt I requested documentation from the original creditor ( XXXXXXXX XXXX XXXX  XXXX ) to prove that this debt is legitimately mine. I have no knowledge or recollection of working with a XXXX XXXX XXXX XXXX so I wanted to verify the original debt was mine and not a possible error, scam or identity theft. 
On XX/XX/XXXX I received a letter and " account summary '' from Resurgent via mail. The letter stated that this account summary is a " validation '' of the debt. The account summary shows the current creditor and original creditor, but it does not show any information about the original debt agreement from the original creditor. To me this does not validate the debt, any creditor can use my information to say I owe them money. Without the original documentation from XXXX XXXX  XXXX XXXX showing that I agreed to this debt I have no way to confirm if the original debt is in fact mine or a scam/identity theft. 
After receiving the letter and account summary I called Resurgent to inform them that the information they mailed to me does not adequately validate the debt. During that call I was informed that according to their procedure the debt is validated and I am liable to pay the debt. I informed them that their " account summary '' does not have enough information to prove the original debt is mine nor does it prove my original agreement or amount for said debt. 
On XX/XX/2023 I received a letter from Resurgent informing me that on XX/XX/2023 LVNV Funding has placed my account with Resurgent Capitol Services for servicing. I find this odd because Resurgent had already contacted me regarding this debt prior to this notice, yet this letter states the account was not placed with them until XX/XX/XXXX. The letter also states that since the account has not been resolved it has been moved into a six-month accelerated prelegal collection track. It also states that this track is the last stop in collection efforts before the account is considered for referral to an attorney and that if I do not establish a plan with Resurgent to resolve my account before the end of the prelegal track then it may be forwarded to an attorney to review for a possible lawsuit. 
After the last letter from XX/XX/2023 I still have not received any additional documentation from Resurgent regarding this account, besides the endless amounts of emails saying that I am " on the prelegal track ''. It seems Resurgent is threatening legal action against me for this account when they have not adequately proved this debt is mine. I have attached screenshots of my original request from XX/XX/XXXX, along with a picture of the " account statement '' i received on XX/XX/XXXX and the letter from XX/XX/XXXX. 
I would like to get this issue resolved and actually validate that the debt is in fact mine. I also feel that Resurgent 's emails and letter threatening to send my account to an attorney for a " possible lawsuit '' is an attempt to coerce me into paying the debt when it has not been properly validated. I also can not validate that the amount Resurgent is attempting to collect is the original amount of the debt because the " account summary '' that was mailed to me was made by Resurgent ( there is a clear note at the top of the account statement that states it was prepared by Resurgent ). I have no way to validate the original debt from XXXX XXXX  XXXX XXXX is actually mine and that the amount Resurgent claims I owe them is the actual amount of the debt from the original creditor.