Consumer complaint received 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Dear Sir or Madam : This letter serves as my formal written notice disputing the alleged debt referenced in your recent communications and demanding full validation pursuant to Section 1692g of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute the validity of this debt in its entirety and refuse to pay it until you provide the verification requested below.

Under FDCPA 1692g ( b ), all collection activitiesincluding telephone calls, letters, credit reporting, and legal proceedingsmust cease immediately upon receipt of this letter until you mail me the required validation. Failure to comply will constitute a per se violation, entitling me to statutory damages of up to {$1000.00}, plus actual damages, costs, and attorneys fees.

To validate this alleged debt, you must provide the following within 30 days of receiving this letter : 1. Proof of Debt Ownership : The name and full address of the original creditor, the account number with the original creditor, and a complete, itemized chain of title ( including all assignments, bills of sale, and documents ) demonstrating that LVNV Funding LLC is the current legal owner of this debt. Redacted or summary documents are insufficientprovide originals or certified copies.

2. Amount and Breakdown : The exact amount of the alleged debt as of the date of your initial communication, including a detailed itemization of principal, interest, fees, and charges, with explanations for each component.

3. Original Agreement and Account History : A copy of the original signed contract or agreement creating the debt, along with a full transaction history ( statements, payments, charges ) from the original creditor through the present, showing how the current balance was calculated.

4. Your Authority to Collect : Verification that you are licensed as a debt collector in Ohio ( if applicable ) and that all communications comply with federal and state law.

5. Date of Last Payment/Activity : The date of my last payment or acknowledgment of the debt, to confirm it is not time-barred under XXXX statute of limitations ( Ohio XXXX. Code XXXX for written contracts ; XXXXXXXX XXXX XXXX XXXX 
Until full validation is received, you are prohibited from : Contacting me except to provide the above validation or notify me of a specific remedy ( e.g., lawsuit ). 
Reporting or re-reporting this alleged debt to any credit bureau without noting it as disputed ( per FCRA XXXX ). 
Threatening or taking any adverse action. 
If you can not validate, you must cease all collection efforts permanently and request deletion of any credit report entries. Any partial or inadequate response will be treated as a failure to validate. 
I am preserving all rights under the FDCPA, FCRA, and Ohio Consumer Sales Practices Act ( Ohio XXXX. Code XXXX et seq. ), including treble damages for deceptive practices. Violations will prompt complaints to the CFPB, FTC, Ohio Attorney General, and a private lawsuit.

Company response to consumer: Closed with explanation