Consumer complaint received 2025-12-30 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: GA

Complaint narrative:
Debt Validation Letter that was mailed Certified on XX/XX/year>. 



LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. I also request the following information as follows.

1. A copy of the original, wet-ink signed promissory note or agreement under which this debt is alleged to have originated.

2. A full chain of title, showing all assignments, transfers, or sales of the account from the original creditor to your agency.

3. Verification of whether this account has been securitized, including the name and address of the trust or entity in which the debt was placed, any pooling and servicing agreements ( PSAs ), and CUSIP or trust identifiers.

4. Proof that your agency has the legal right to collect on this account, including evidence of your license to collect debt in my state.

Until these documents are provided, and the debt is properly validated, I request that all collection efforts cease immediately, including calls, letters, and reporting to credit bureaus.

Please consider this a formal dispute of the debt as allowed under 15 U.S.C. 1692g.

Thank You,

Company response to consumer: Closed with explanation