Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX XX/XX/XXXX **Resurgent Capital Services L.P.** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Re : Response to Compliance Letter Case # XXXX Account Number : XXXX Consumer : XXXX XXXX Dear Sir/Madam, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced account, which was forwarded to me following the inquiry I submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX . I appreciate your efforts to address my concerns, but I would like to provide clarification and request further action to ensure that the matter is resolved properly. 

1. **Account Ownership and Debt Validation** You indicate that LVNV Funding LLC ( Current Owner ) acquired the account on XX/XX/XXXX, and that Resurgent Capital Services ( Resurgent ) is the servicer of the account. While I acknowledge that a judgment was obtained on XX/XX/XXXX, for the debt, I request the following additional validation : - A copy of the assignment agreement between XXXXXXXX XXXX XXXX, XXXX, LVNV Funding LLC, and/or any third parties confirming that the account was properly transferred and that LVNV Funding LLC holds all rights to collect this debt. 
- A detailed breakdown of the current balance, including any fees, interest, or additional charges that have been added since the account was charged off in XXXX. 

2. **Discrepancy with Judgment** You state that the judgment was obtained in the XXXX District Court XXXX XXXX XXXXXXXX XXXX XXXX, under case number XXXX, and that I was served with the summons and complaint on XX/XX/XXXX. I would appreciate it if you could provide : - A copy of the court 's ruling, specifically any documentation that shows my full and proper participation in the legal proceedings. 
- Verification that the judgment was entered in my name and the correct amount was stated, considering my records show discrepancies in the details provided. 

3. **Credit Reporting and Dispute Status** It is noted that the account is being reported as disputed on the credit bureaus. While I appreciate that Resurgent is acknowledging the dispute, I request that you : - Provide a clear explanation of how the reporting will be handled once the dispute is resolved or if new information comes to light that could alter the current reporting status. 
- Outline the process through which any potential errors in reporting can be corrected if the information you have provided regarding the judgment or the balance is found to be inaccurate. 

4. **Request for Debt Removal and Further Action** Given the concerns outlined above, I respectfully request that Resurgent review and reconsider the status of this account, including : - If the dispute remains unresolved, that the account be marked as disputed on my credit report until the issue is fully addressed. 
- If my request for further documentation is not provided, or if inconsistencies are found in the information provided, I ask that this account be removed from my credit history. 

Thank you for your attention to these matters. I look forward to your prompt response and resolution. Please do not hesitate to contact me at [ Phone Number ] or via email at [ Email Address ] for any further clarification. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation