Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC XXXX Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Formal Debt Dispute and Full Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, This letter serves as a formal dispute of the alleged debt you claim I owe and a demand for full and complete validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. Until full validation is provided, you are legally required to cease all collection activities, including credit reporting. 
Over the course of nearly a year, I have reached out to your company monthly requesting documentation to validate this debt. Despite repeated outreach, you have failed to provide any information confirming the validity of the account. Instead, I received XXXX letters indicating that the matter was being looked into - yet no supporting evidence or documentation has been provided. 
Rather than properly validating the debt, your company has instead engaged multiple third-party entities, including a collection agency with " Law '' in its name- clearly used as a scare tactic. This is a concerning and misleading practice. If the debt were valid, your company should have been able to verify it directly back in XX/XX/XXXX, without resorting to multiple third-party handoffs. 
Under the FDCPA and other applicable consumer protection laws, I am requesting the following documentation to fully validate this debt : XXXX. The full name and address of both the original creditor and the current creditor. 
XXXX. A complete breakdown of the amount you allege is owed, including the principal, interest, fees, and any other charges. 
XXXX. A copy of the original contract or agreement bearing my signature, establishing my obligation to pay. 
XXXX. All billing statements, account history, and payment records from the original creditor. 
XXXX. Documentation of every assignment and/or sale of the debt, including : - Proof of ownership and legal right to collect. 
- The date of each assignment or sale. 
- Contracts showing the sale or assignment between each party. 
XXXX. The date of original delinquency and charge-off. 
XXXX. A full explanation of whether the debt was purchased or assigned ; if purchased, the amount paid for the debt. 
XXXX. Commission structures or compensation arrangements tied to collection efforts. 
XXXX. All records of insurance claims filed by any creditor regarding this account. 
XXXX. Any judgments related to this debt and the court records pertaining to them. 
XXXX. The legal permissible purpose for accessing or reporting information to consumer credit bureaus. 
XXXX. The name and address of your bonding agent, in case legal action becomes necessary. 
Until this documentation is delivered in full, you are required to cease all collection activity and remove this account from all credit reporting agencies. Incomplete or partial responses, or any attempt to continue reporting unverifiable information, will be viewed as a willful violation of the FDCPA and may be pursued under XXXX XXXX. XXXX for damages. 
All future communication must be sent by mail. I do not consent to phone calls, emails, or any other form of communication. 
You have XXXX calendar days from receipt of this letter to fully comply. If you fail to provide the requested validation within that timeframe, I expect written confirmation that this account has been permanently deleted from my credit file with all credit bureaus. 
This letter is being submitted as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). I reserve all rights to escalate the matter through legal channels if you do not comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief