Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Debt Validation Demand Pursuant to 15 U.S.C. 1692g, UCC 9-208, and 18 U.S.C. 894 Account/Reference Number : [ Insert Account Number ] To Whom It May Concern : This correspondence is a formal and lawful demand under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) for full and complete validation of the alleged debt you claim I owe. You are hereby notified that I dispute the validity of this alleged debt, and I request strict proof of all claims you assert. No further collection activity should take place until all requirements under federal law are met. 

Under the FDCPA, you are legally required to cease collection efforts until you provide the following documentation : Complete itemization of the debt, including all principal, interest, fees, payments, and charges from the origin of the debt to present. 

Original contract bearing my signature, indicating the terms under which the debt was allegedly incurred. 

Proof of ownership and legal standing to collect on this debt, including a certified chain of assignment or sale from the original creditor to LVNV Funding LLC. 

The name and address of the original creditor, and the date of default or charge-off. 

You are also hereby placed on notice under UCC 9-208 that as an alleged assignee or secured party, you are obligated to accurately respond to a demand for an accounting and provide a full explanation of the nature and amount of the obligation you claim is owed. Failure to respond with precise and complete accounting information may result in legal consequences and could be construed as deceptive or bad faith conduct.

Further, be advised that any attempt to collect or threaten to collect this debt through extortionate means, harassment, coercion, or misrepresentation may constitute a criminal violation under 18 U.S.C. 894, which prohibits extortionate credit transactions and associated threats or behavior. Any such conduct will be reported immediately to the appropriate regulatory and law enforcement authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and your state Attorney General.

Please also be advised of the following : You must cease and desist all collection activity until proper validation is provided. 

Any failure to respond to this request within 15 days will be construed as a waiver of your claim and may result in formal complaints and legal action.

Any attempt to report this alleged debt to credit reporting agencies without proper validation constitutes a willful violation of the FCRA, and I will pursue all available remedies under 15 U.S.C. 1681n and 1681o.

This letter serves as a complete and timely assertion of my rights under federal law. You are prohibited from contacting me by phone regarding this matter. All future communications must be in writing. If no proper validation can be presented within the 15 days this account must be deleted off of my consumer report immediately. 

GOVERN YOURSELVES ACCORDINGLY.

Company response to consumer: Closed with non-monetary relief