Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt and Failure to Provide Requested Documentation Dear LVNV Funding LLC, I am writing to formally dispute the alleged debt reported by your agency, as I have not received the necessary documentation to verify the validity of this debt. I have previously requested the following information from you, which you have failed to provide : 1. The Purchase Agreement : A copy of the agreement outlining the terms under which the debt was purchased by LVNV Funding, including the assignment of any rights related to the debt.

2. Insurance Claim Information : Any evidence or documentation showing that an insurance claim was filed in relation to this debt and how it was handled. 
3. Chain of Custody ( CMI ) : A complete Chain of Custody showing the transfer of the debt from the original creditor to your agency, including all intermediary parties.

4. Statute of Limitations : Documentation outlining the statute of limitations on the debt, including when the debt became legally enforceable.

5. Last Payment Date : Information confirming the last payment date or missed payment on this debt, which is necessary to determine whether this debt is time-barred under the applicable statute of limitations. 

As of this date, you have failed to provide any of the requested documentation, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). In addition, your failure to verify the debt properly or provide the requested information has led me to take the next step in resolving this matter.

Intention to Begin Arbitration Process : Due to your failure to respond and provide the requested documentation, I am notifying you that I will now begin the arbitration process as outlined in the original credit agreement ( if applicable ) or other terms governing your collection practices. The arbitration process will allow for a neutral third party to review this matter, and I intend to pursue this option until the issue is resolved. 

Request for Immediate Action : I request that you immediately provide the following : 1. Copies of the requested documents, including the purchase agreement, insurance claim, chain of custody, statute of limitations details, and payment history. 
XXXX. Confirmation in writing that you have complied with my request or intend to comply in a reasonable time frame. 

If you fail to provide this documentation or resolve the matter through arbitration, I will be forced to pursue further legal remedies, including reporting this issue to regulatory authorities and seeking damages for your failure to comply with legal requirements. 

I expect a prompt response to this letter within 15 days from the receipt of this notice. If you do not provide the requested documentation or a satisfactory resolution within that time, I will proceed with the arbitration process. 

Thank you for your attention to this matter. I look forward to receiving the necessary documentation to resolve this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation