Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX SC XXXX RE : FORMAL DEBT VALIDATION DEMAND NOTICE OF DISPUTE Account in Dispute : LVNV FUNDING XXXX | Alleged Amount : {$1600.00} To Whom It May Concern, I am in receipt of your recent communication regarding the above-referenced alleged debt. This letter serves as a formal dispute and demand for validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I do not acknowledge ownership, responsibility, or liability for the alleged account listed above. I am demanding strict proof that LVNV Funding, LLC has the legal standing, authority, and lawful right to collect on this alleged obligation. 

XXXX XXXX XXXX XXXXXXXX XXXX If this alleged debt has been sold, transferred, assigned, securitized, or bundled into a trust, LVNV Funding, LLC must prove it is the current lawful owner. Under UCC 8-102 ( a ) ( 15 ), a financial asset that has been transferred or securitized is no longer owned by the original holder absent lawful reassignment. 

Additionally, Federal Rule of Evidence XXXX requires the original document or contract to prove the content of any alleged obligation. Account summaries, screenshots, affidavits, or internal printouts do not constitute validation. 

DEMAND FOR STRICT VALIDATION I dispute any and all accounts you allege are associated with my name. Accordingly, I demand the following documentation for the account listed above : XXXX. Proof of Ownership and Legal Standing A signed contract or agreement bearing my signature that created the alleged obligation The complete chain of title, including bills of sale and assignment agreements The full purchase agreement between LVNV Funding, LLC and the original creditor, including all terms of sale XXXX. Full Debt Validation & Itemized Accounting A complete accounting ledger from the original creditor Proof of the accuracy of the balance claimed A detailed breakdown of principal, interest, fees, and calculations XXXX. Securitization & Financial Asset Verification Written confirmation of whether this account was securitized or sold into a trust The name of any trust, fund, or special-purpose vehicle associated with this account Copies of any Pooling and Servicing Agreements, trust agreements, or prospectuses XXXX. Debt Collector Authorization & Compliance A copy of LVNV Funding, LLCs state collection license authorizing collection in my state Copies of agreements authorizing LVNV Funding, LLC to collect The name, address, and authorization of the original creditor XXXX. Consumer Rights Compliance Copies of the Notice of Assignment sent to me Copies of all communications related to this alleged debt Any arbitration clauses, jurisdiction agreements, or governing contracts FAILURE TO VALIDATE & LEGAL CONSEQUENCES Until full validation is provided, I do not acknowledge any liability for this alleged debt. Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity, including credit reporting, until validation is complete.

Further, under 15 U.S.C. 1692e ( 8 ), you are required to immediately report this account as DISPUTED to XXXX XXXX XXXX XXXX Failure to do so constitutes a knowing violation of federal law and will result in complaints filed with the CFPB, FTC, and the State Attorney General, and may result in civil action. 

Please respond in writing within 30 days of receipt of this notice. If you are unable to provide strict proof of ownership and legal standing, I expect written confirmation that the account has been closed and all negative credit reporting removed. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation