Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
NO PARKING RULE/CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXX LVNV Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, Debt collector, you are advertising this alleged debt on my consumer report. You are a debt collector identified in the FDCPA. It has come to my attention and understanding that you have violated my rights according to the FDCPA. I am disputing this alleged debt. I demand you to cease all further communication through ALL and ANY medium except for communication of remedies for My Name, the consumer and natural person, via MAIL ONLY. Pursuant to title 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following : -XXXX out the balance of this account -Provide My Name, a consumer and natural person, with documentation showing the account was zeroed out via mail -Cease and Desist reporting the debt collection activity to all consumer reporting agencies before and after today -Remove ANY and ALL reporting of the debt collection activity from all consumer reporting agencies I dont owe you any money and have never agreed to a business contract with you. You are also in violation of 15 USC 1692g as you cant validate a debt. As the original creditor myself, I can only validate a debt. I am NOT validating any alleged debt. CEASE and DESIST! You are furnishing a deceptive form under 15 USC 1692j! You are governed by the FDCPA which has a civil liability section.

YOU CAN NOT PARK THIS ITEM ON MY CONSUMER REPORT!

-15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} -15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated; * DEFINITION OF COMMUNICATION ACCORDING TO THE FDCPA * : ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

My consumer report is a form of communication and that communication needs to cease and desist! I advise you to notify XXXX XXXX XXXX XXXX  of the deletion of this account from my consumer file. In the absence of deletion, I will assume you liked reading the civil liability section. I will await your results.

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation is a violation.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Using symbols is a violation of my right to privacy.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I am not participating in the collection of this alleged debt.

12 CFR 1006.34 & 15 U.S. Code 1692g - Notice for validation of debts.

( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed I am the creditor under 15 U.S. Code 1692a, so the debt is owed to me as I extended the credit via my social security card! ALL DEBT IS THE OBLIGATION OF THE UNITED STATES PURSUANT TO 18 U.S. Code 8.

DELETE AND CEASE THE REPORTING OF THIS ON MY CONSUMER REPORT OR YOU ARE LIABLE TO {$1000.00} PER VIOLATION.

All will be investigated by the Federal Trade Commission, Consumer Financial Protection Bureau, XXXX XXXX XXXX and the Attorney General.

Company response to consumer: Closed with non-monetary relief