Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Re : Dispute of Alleged Debt ( Account Number : XXXX Dear LVNV Funding LLC : This letter serves as my formal dispute of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692, and Uniform Commercial Code ( UCC ) Section 9-208. I request immediate and proper validation of this alleged debt to ensure full compliance with all applicable laws.

1. Validation of Debt ( 15 U.S.C. 1692g ( b ) ) Under the FDCPA, you are required to provide written validation of the alleged debt within 30 days of my request. Validation must include clear and documented proof of : o Your legal authorization to collect this debt.

o The name and address of the original creditor.

o A detailed accounting showing how the amount claimed was calculated.

Failure to provide such documentation will indicate that you are unable to lawfully enforce this alleged debt. Any further collection efforts without proper validation will be viewed as a violation of federal law.

2. UCC 9-208 : Duty of Secured Party Pursuant to UCC 9-208 , if you can not provide verification of a perfected security interest in this debt, you are obligated to release any claim or lien related to it. Accordingly, I demand : o Evidence of the complete chain of title for this alleged debt.

o A copy of the original agreement bearing my signature or other legally binding authorization.

o Documentation proving this debt remains outstanding and has not been satisfied or discharged. 
XXXX. Relevant Legal Precedent Courts have upheld consumers rights to demand thorough debt validation under the FDCPA. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court held that a debt collectors failure to validate a debt under 15 U.S.C. 1692g prohibits further collection activities.

4. Cease and Desist Until such time as the alleged debt is fully validated to my satisfaction, you are hereby instructed to cease and desist from all collection efforts, including but not limited to phone calls, letters, credit reporting, or any other form of communication regarding this matter.

5. Remedies for Non-Compliance If you fail to comply with these requirements or continue collection activities without providing adequate validation, I will explore all available legal remedies. These remedies may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and/or pursuing legal action for violations of the FDCPA and other applicable laws. This may include seeking statutory damages, actual damages, attorneys fees, and costs.

Please provide a written response, including all requested documentation, within 30 days of the date of this letter. Failure to respond adequately will result in further action to protect my rights. 
This letter constitutes a good faith effort to resolve this matter privately and amicably. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief