Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Demand for Validation of Alleged Debts Accounts : # XXXX {$720.00} # XXXX {$470.00} To Whom It May Concern, This letter is being sent in response to the entries on my credit report and any communications from your office regarding the alleged debts listed above. I do not acknowledge these debts, and I dispute your right to collect them.

This serves as a formal demand for full and verifiable validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a demand for documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not authorized to assume these debts are valid or continue collection activity until you have provided all requested documentation. 

You must provide the following legible and signed where applicable : The original signed contract or agreement bearing my signature that created any legal obligation for these alleged debts. 

A complete chain of assignment or title, showing every transfer, sale, or assignment from the original creditor to any subsequent owner, ending with LVNV Funding LLC. Each transfer must include dates and signatures. 

Proof that you currently own or have been legally assigned these debts, including all bills of sale and related documentation. 
A complete and itemized accounting from the original creditor ( s ) clearly showing how the balances of {$720.00} and {$470.00} were calculated, including all transactions, fees, and dates.

The name, address, and contact information of the original creditor ( s ), along with the date each account was opened and charged off.

Copies of all communications or statements allegedly sent to me, with pr
oof of mailing or delivery.

Proof of your license and authorization to collect debts in the State of Illinois, including your registration and bonding details.

Any judgment or court documentation you rely upon to collect. If none exists, confirm that in writing.

Important Legal Notice : A billing statement, printout, or account summary is not proper validation under the FDCPA. Providing such documents does not meet the legal standard for verification as required by 15 U.S.C. 1692g ( b ), whic
h mandates that debt collectors must cease all collection activities until proper verification of the debt is obtained and mailed to the consumer.

If you attempt to claim that a simple bill or statement constitutes validation, you will be in direct violation of FDCPA 809 ( b ) and subject to regulatory complaints and civil liability. 

Until you provide proper validation, you must immediately : Cease all collection efforts, including calls, letters, and emails. 

Cease reporting or verifying these accounts with any credit bureaus. 

Refrain from selling or transferring these alleged debts to any other entity. 

If these accounts are reported to the credit bureaus, mark them as in dispute and provide written confirmation. 

If you fail to provide proper validation within 30 days, you are required by law to : Delete both accounts from all credit reporting agencies, and Cease all collection activity related to these alleged debts. 

Failure to comply will be treated as a violation of both the FDCPA and FCRA. Continued reporting or collection without validation will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I also reserve the right to pursue civil remedies, including statutory damages and attorneys fees. 

This is not a request for an explanation it is a demand for verifiable proof. Produce the documents listed above, or delete both accounts immediately and cease all collection activity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation