Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : XXXX XXXX, CFPB Case # : XXXX, XXXX, reference number XXXX, {$1400.00} ; XXXX, reference number XXXX, {$1100.00} To Whom It May Concern : This is a notice that your attempt to collect remains disputed, and information substantiating your claim is formally requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request information supportive of the debt you say I owe you. I am requesting this evidence by way of this letter. 

This is NOT a request for verification, or proof of my mailing address, or a copy of a statements from XXXX XXXX XXXX ( which you provided in a letter dated XX/XX/XXXX ( attached ) ), but a SECOND REQUEST FOR VALIDATION made pursuant to 15 USC XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that you are legally permitted to collect. Please be advised that the previously provided account statements are not an acceptable form of validation. 

I will also inform you that as your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this would constitute as fraud under both federal and NJ state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit profiles by your company ( Resurgent ) or the company you represent/service ( LVNV Funding LLC XXXX XXXX I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. At this time, if any action is taken which could be considered detrimental to any of my credit reports or my personal reputation and character, I will proceed with a legal suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 15 days from the date of this letter, which is being electronically submitted to you for SAME DAY RECEIPT, all references to this account must be deleted and completely removed from EACH of my credit files ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), these debts be eradicated, documentation proving the aforementioned has been executed and completed. 

Please provide ALL the following : A copy of the dated BILL OF SALE between you ( Resurgent / LVNV ) and the original creditor ( XXXX XXXX XXXX ) your contract of business with XXXX XXXX XXXX  o This document will, by law, include the names and addresses of all parties involved as well as the value of the claimed acquisitions ( ie what YOU paid for them ) for which you are trying to collect and the price Resurgent / LVNV paid for the account they are trying to collect on The original creditor agreement ( this is NOT a statement copy ) which includes transfer of ownership permissions The assignment of new ownership documentation If this account is part of a PSA ( Pooling and Servicing Agreement ), a copy of this is also required o This will detail how the account is managed and conditions under which it can be *legally* sold off or transferred If this account is or was securitized, a clear chain of ownership leading directly to Resurgent / LVNV must be provided Further, upon additional investigation, Resurgent nor LVNV do not appear to be licensed/bonded to collect in the State of New Jersey where, as you are most certainly aware by now in your pursuit of {$2500.00}, I reside. 

Please also note : 2023 New Jersey Revised Statutes Title XXXX - Professions and Occupations Section XXXX - Collection agencies to file bond No person shall conduct a collection agency, collection bureau or collection office in this state, or engage therein in the business of collecting or receiving payment for others of any account, bill or other indebtedness, or engage therein in the business of soliciting the right to collect or receive payment for another of any account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of any account, bill or other indebtedness, unless such person, or the person for whom he may be acting as agent has on file with the secretary of state sufficient bond as hereinafter specified. 

In closing, please supply me with the documentation cited above which would be supporting of your endeavors. It would also be advisable that you ensure your records are in order before I am forced to take legal action. 


Best Regards, XXXX XXXX cc CFPB

Company response to consumer: Closed with explanation