Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX CFPB Case XXXX XXXX XXXXXXXX Reference Numbers : XXXX, XXXX, XXXX Accounts Ending : XXXX, XXXX, XXXX Court Case : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as my formal, final notice regarding the above-referenced accounts. 
It is being issued to both Resurgent/LVNV and XXXX XXXX XXXX XXXX 
Your XX/XX/year> response did not satisfy requirements under the FDCPA, FCRA, or Michigan state law. The documentation provided was incomplete, inconsistent, and insufficient. 
Therefore, I am issuing a combined demand for : Full validation Cease collections Credit reporting corrections Deletion or settlement Lawsuit dismissal Failure to comply will result in escalation. 
XXXX. FORMAL DISPUTE & DEMAND FOR FULL VALIDATION Under 15 U.S.C. 1692g ( b ), I dispute these accounts in their entirety and demand complete, lawful validation, including : Original signed agreement ( s ) Complete account-level itemization Full chain of title showing legal transfer of ownership Proof that LVNV legally collects in Michigan Documentation from the original creditors Proof that the balances are accurate You have not provided this. 
Without these, you can not legally collect, sue, or report these accounts. 
All collection activity must cease until validation is complete. 
XXXX CREDIT REPORTING DEMANDS You must : Pause all reporting on the XXXX account Keep the account marked disputed Confirm the XXXX XXXX ( XXXXXXXX XXXX XXXX ) will NEVER be reported Provide written acknowledgment of all reporting freezes If inaccurate or unvalidated reporting occurs, I will file : CFPB complaint FTC complaint Michigan AG complaint Credit bureau disputes Each violation will be documented. 
XXXX. LAWSUIT ( CASE XXXX XXXX ) DEMAND FOR DISMISSAL You can not avoid providing validation simply because litigation exists. 
This violates FDCPA XXXX. 
I demand : Full validation before any further legal action Written confirmation of legal standing to sue Immediate dismissal due to lack of documentation If you continue forward without validation, I will pursue : Motion to dismiss for lack of standing Motion to compel validation Counterclaims for FDCPA violations A written request for sanctions and attorney fees I am fully prepared to respond legally. 
XXXX. REQUEST FOR DELETION, SETTLEMENT, OR DISMISSAL To resolve this matter efficiently, I am requesting one of the following : Option A Full Deletion ( Preferred ) Delete all three accounts Close them internally Confirm in writing that no further reporting, collecting, or selling will occur Option B Settlement ( Only AFTER Full Validation ) If proper documentation is provided, I am willing to consider settlement IF : Accounts are deleted or marked Paid in Full Settled No resale or reactivation No additional fees added Terms provided in writing Option C Lawsuit Dismissal Immediate dismissal with prejudice of case XXXX No judgment No reporting I will choose the best option once proper validation is supplied. 
XXXX. CEASE COMMUNICATION NOTICE I reaffirm my request that : All contact must cease Except for written responses to THIS letter Or legally required notices Any improper communication will be documented as harassment under the FDCPA. 
XXXX. DEADLINES You have : 30 days to provide full validation 15 business days to respond to deletion/settlement/dismissal options Failure to meet these deadlines will result in : CFPB filings FTC filings XXXX  Attorney General filings FCRA disputes Legal action and FDCPA claims This letter is not a refusal to pay. 
It is a lawful request for validation and resolution. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation