Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Letter Regarding Account XXXX XXXX  Dear LVNV Funding LLC, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I am disputing the alleged debt you claim I owe and am demanding that you cease and desist all communications with me, including but not limited to any direct or indirect mediums such as my consumer credit report. This demand extends to all forms of communication, including mail, phone calls, electronic messages, or reporting to credit reporting agencies. 

Specific Demands : Provide the Chain of Assignment : I require documentation evidencing the full chain of assignment of the alleged debt, including the original creditor and all subsequent assignments. This must include details of any transfers of ownership or rights to the alleged debt.

Ink-Signed Contract : Provide a written, ink-signed contract that establishes a direct agreement between me and LVNV Funding LLC regarding the alleged debt.

Authorization to Access Personal Information : Supply documentation that explicitly grants LVNV Funding LLC authority to access and utilize my personal information. 

FDCPA Violations : It has come to my attention that you stated I owe you money, which is a violation of the FDCPA ( 15 U.S. Code 1692e ).

Utilizing any logo or symbol in a misleading manner constitutes a violation of 15 U.S. Code 1692e ( 9 ).

Reporting the same account twice on my consumer report is a violation of 15 U.S. Code 1692d and is considered deceptive and abusive.

Mail Fraud : Using the United States Postal Service to attempt to collect on an alleged debt without proper authority constitutes mail fraud under 18 U.S. Code 1341.

Identity Theft Laws : If the alleged debt is not mine, I demand you comply with the Federal Trade Commission ( FTC ) guidelines under the Fair Credit Reporting Act ( FCRA ) and identity theft laws by investigating and resolving this matter promptly.

Immediate Action Required : You have five ( 5 ) days from the date of receipt of this letter to : Remove all references to the alleged account from my consumer report with all credit reporting agencies.

Provide all requested documents and evidence.

Cease Communication : Per 15 U.S. Code 1692c ( c ), you are hereby notified to cease all communications with me regarding this alleged debt. This includes direct communication, indirect communication, or any reporting on my consumer report, which is considered a form of communication.

Permissible Purpose : Provide written documentation demonstrating that you had a permissible purpose, as defined under 15 U.S. Code 1681b, to contact me or report on my consumer report.

Failure to comply with these demands will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FDCPA, FCRA, and any other applicable laws.

Company response to consumer: Closed with explanation