Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The Complaint was already filed against LVNV Funding. A two page write up, with a court case filed without a case number is not sufficient enough. 

Subject : Formal Dispute and Request for Complete Verification of Debt XXXX XXXX CFPB Case # : XXXX Reference Numbers : XXXX, XXXX, XXXX, XXXX To Whom It XXXX Concern, I am writing in response to LVNV Funding LLCs and Resurgent Capital Services L.P.s letter regarding the above-referenced accounts. I formally dispute all alleged debts and request complete documentation as required under federal law. The information you provided, including itemized account summaries and statements, does not constitute sufficient verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), or the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Specifically, I am requesting the following complete documentation for each account : XXXX XXXX XXXX / XXXX XXXX full copy of the original contract between myself and the original creditor. 

Wet-Ink Signature Proof of my signature on the original contract. 

Assignment/ Transfer of Debt Legal documentation showing the transfer or sale of the debt to LVNV Funding, establishing your legal standing. 

Purchase Price / Acquisition Details Evidence of the purchase price of the debt and a detailed explanation of how the claimed balance was calculated, including principal, interest, fees, and any other charges.

Account Statements / Payment History Complete record of the original balance, payments, interest, fees, and any charge-offs. 

Proof of Standing / Legal Authority to Collect Documentation confirming that LVNV Funding has the legal right to pursue collection or file suit on this debt.

Case Filing Details If a lawsuit exists, provide the court, case number, filing date, and complete docket entries. 

Proof of Service Documentation showing I have been properly served in accordance with state law. 

Title of Trust or Security Interest ( if applicable ) Any documents showing collateral or trust title tied to the debt. 

Verification of Charges/ Fees A full itemized breakdown of any interest, late fees, or other charges included in the claimed balance.

Important Legal Notice : Under 15 U.S.C. 1692e and 15 U.S.C. 1692f of the FDCPA, any attempt to collect this debt without providing the requested verification may be considered a false, deceptive, or unfair practice.

Under 15 U.S.C. 1681i ( a ) of the FCRA, my account must be marked as DISPUTED in all credit reporting until verification is complete. 

You are required to provide proper verification before any further collection efforts, legal action, or reporting to the credit bureaus. 

Next Steps : If LVNV Funding and Resurgent Capital Services fail to provide all requested documentation within 30 days, I will consider these debts unverifiable and uncollectible and will escalate the matter to the CFPB, FTC, and relevant state regulators for enforcement. Any further attempts to collect or report this debt without providing full verification will be treated as a violation of federal and state law. 

All future communications regarding these accounts must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief