Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : Reference Number : XXXX Account Allegedly Originating From : XXXX XXXX XXXX XXXX 

NOTICE OF DISPUTE, DEMAND FOR DELETION, CEASE AND DESIST, AND REQUEST FOR DOCUMENTATION UNDER FCRA & FDCPA To Whom It May Concern, I am formally disputing the validity of the alleged debt associated with Reference Number : XXXX, which you claim is owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, I am requesting that you immediately provide the following : XXXX. A full and complete copy of the Forward Flow Agreement between the original creditor and any debt buyer, including LVNV Funding LLC or any intermediary party, showing the terms and conditions under which this debt was sold or assigned. 
XXXX. A complete and unbroken chain of assignment demonstrating every sale or transfer of this account from the original creditor to LVNV Funding LLC, including names, dates, and terms of each assignment. 
XXXX. Proof of your right to collect on this alleged account, including a copy of any contract bearing my signature or agreement to be bound by the alleged terms. 

Until you can produce the above items, you must cease all collection activity immediately. Reporting an unverified and disputed account to the credit bureaus constitutes continued collection activity and is a violation of the FDCPA and FCRA. 

Furthermore, I am formally invoking my rights under 15 U.S.C. 1692c ( c ) to cease and desist all communications with me, other than to provide the documentation requested or to inform me of specific legal actions.

If this account is being reported on my credit reports, I demand that you delete it immediately due to the following reasons : Failure to validate the alleged debt in accordance with 15 U.S.C. 1692g ( b ).

Failure to provide the method of verification, full investigation detail, and documentary proof as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Continued reporting of a disputed debt without investigation and proper verification violates 15 U.S.C. 1681s-2 ( b ). 

Should you fail to comply with this request, I am prepared to file a formal complaint with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal action in a court of competent jurisdiction, seeking statutory damages, actual damages, and attorney fees as provided under the FCRA and FDCPA.

This is your final warning. If the account is not deleted and documentation is not provided within 15 days, I will move forward with legal action without further notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation