Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Response to Inquiry Regarding Account Validation To Whom It May Concern, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced account allegedly acquired from XXXX XXXX. I appreciate your compliance with my previous cease and desist request but remain concerned about the insufficient validation provided to support your claim of ownership and my obligation to pay this debt. I HAVE NEVER AND DO NOT CONSENT TO DO BUSINESS WITH LVNV FUNDING LLC, NOR DID I CONSENT TO USE MY NAME AND PRIVATE INFORMATION, NOR DO I HAVE ANY CONTRACTS WITH SAID PARTY. 

It is my position that the documentation provided does not meet the requirements for proper validation as outlined under the Fair Debt Collection Practices Act ( FDCPA ). Simply stating that the account was purchased and providing account details does not constitute sufficient evidence to establish your legal right to collect the debt. Specifically : 1. Proof of Ownership : While you claim the account was acquired on XX/XX/XXXX, no documentation has been provided to prove that LVNV Funding LLC legally acquired the account from XXXX XXXX  with all rights and title to collect. A generic purchase agreement or similar document is insufficient without specific reference to my alleged account. 
2. Account Documentation : You have not provided a full and complete chain of title for the account, nor have you produced the original signed credit application or a detailed accounting of all transactions ( including charges and payments ). This is necessary to demonstrate the accuracy of the debt balance and its assignation to me. 
3. Validation Standards : Under the FDCPA, you are required to provide specific evidence substantiating the debt. This includes, but is not limited to : Original creditors name and contact information. 
A signed agreement or contract obligating me to repay the debt. 
An itemized account history detailing the principal, fees, interest, and any other charges. 

Until proper validation is provided, including evidence of ownership and documentation substantiating the alleged balance, I dispute this debt in its entirety. I further reiterate my previous request to cease all communication, in compliance with my rights under the FDCPA. 

Should you continue to report this disputed debt to the credit bureaus without proper validation, I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially pursuing legal action for violations of federal law. 

If you believe this debt is valid, please provide the requested documentation within 30 days. Absent such evidence, I request that you cease reporting this account to the credit bureaus and confirm in writing that the matter is closed. 

Sincerely, XXXX XXXX XXXX. 

This letter is assertive yet formal and clearly outlines the lack of sufficient evidence provided. Ensure you keep a copy of the letter and send it via certified mail with a return receipt for proof of delivery.

Company response to consumer: Closed with explanation