Consumer complaint received 2026-05-25 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: MN

Complaint narrative:
MULTIPLE ILLEGAL COLLECTIONS POSTED BY LVNV FUNDING LLC. {$1000.00} - {$1000.00} - {$1500.00} ALL MUST BE PURGED!!! The alleged debt transfer is unsupported, unverified, Your company claims that it purchased a defaulted debt and that your organization now claims ownership, and has posted such ownership claims on all three pertinent credit reporting agencies. I hereby demand written verification of the following criteria : A copy of your debt-buyer licensing established with the XXXX XXXX XXXX XXXX . A true copy original of any Bill of Sale proving appropriate debt ownership transfer. Your company must adhere to the federal courts interpretation of debt-transfers from XXXX XXXX XXXX XXXX XXXX . Your claim of undocumented ownership is aggressive and unsupported. The alleged debt buyer bears the burden of proving lawful ownership of the alleged account through admissible evidence establishing a complete chain of assignment. A generic or incomplete Bill of Sale that fails to specifically identify the consumers account is insufficient to establish ownership under the FDCPA and FCRA. Courts have repeatedly rejected unsupported debt-buyer claims where the purported assignee can not produce competent evidence linking the alleged account to the assignment documents. If the alleged debt buyer furnished information to consumer reporting agencies before it possessed a valid and legally enforceable assignment, then the reporting was inaccurate and unauthorized under the FCRA. Any subsequent attempt to retroactively create or supplement assignment documentation after furnishing occurred does not cure the original unlawful reporting. Because the alleged transfer was not proven at the time the debt was reported to XXXX, XXXX, and XXXX, the reporting constitutes inaccurate or unverifiable information under 15 U.S.C. 1681e ( b ) and 1681s-2. Accordingly, all references to the alleged debt and any purported transfer must be deleted immediately. Furthermore, absent proof of lawful assignment, the debt buyer can not establish a permissible purpose for possessing, using, transmitting, or furnishing the consumers personal identifying information. Continued possession or dissemination of such information without lawful authority may constitute unauthorized acquisition and use of consumer information in violation of federal consumer-protection and privacy laws. and unenforceable for purposes of furnishing, collection, or credit reporting. Therefore, the alleged debt buyer must : 1. Permanently delete all references to the alleged account from all consumer reporting agencies ; 2. Permanently purge all consumer data associated with the alleged account from its internal systems and third-party systems ; 3. Cease all collection activity immediately ; 4. Provide written confirmation of deletion and purge actions through the Consumer Financial Protection Bureau complaint portal. Accordingly, the burden of proof of a legal debt transfer has not been proven, and my collection tradeline must be deleted immediately and my file information purged permanently. XXXX XXXX

Company response to consumer: Closed with non-monetary relief