Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Subject : Intent to Sue for FDCPA & FCRA Violations, Demand for Debt Validation, and Inaccurate Credit Reporting I am writing regarding the alleged debt associated with account number, which you claim I owe. I dispute the validity of this debt and demand full validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
The documents you previously providedmere billing statementsdo not constitute proper debt validation under federal law. To comply with my rights under FDCPA, I demand the following : 1. Proof of Ownership of the Debt Provide a chain of title proving that LVNV Funding LLC legally owns this debt.

Include a signed purchase agreement or bill of sale from the original creditor explicitly identifying the debt.

2. Proof of Agreement A signed contract or agreement with my signature, proving that I am legally responsible for this debt. 
Statements alone are not sufficient and do not confirm my liability under FDCPA requirements. 
3. Proof of Amount Owed A full accounting ledger showing how the balance was calculated from inception to the present.

4. 1099-C Cancellation of Debt If this debt has been charged off, provide a 1099-C form indicating the cancellation of the debt.

If you have reported this debt as a charge-off, it should be properly accounted for in compliance with IRS regulations .

5. Inaccurate Credit Reporting ( FCRA Violation ) It has come to my attention that LVNV Funding LLC has purposely inaccurately reported this alleged debt to the three major credit bureaus This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

If this debt is not validated, your reporting is considered false and misleading, causing damage to my credit profile. 
Under the FCRA, knowingly reporting inaccurate information to credit bureaus is illegal and subject to penalties, including statutory damages, actual damages, and attorneys fees. 
If LVNV Funding LLC does not provide the above-requested documentation within 15 days, I will proceed with legal action against your company for : Failure to provide proper debt validation ( FDCPA Violation, 15 U.S.C. 1692g ) Continuing to attempt to collect without proving ownership Inaccurate reporting to XXXX and XXXX ( FCRA Violation, 15 U.S.C. 1681s-2 ) Possible violations under the Fair Credit Billing Act ( FCBA ) if the debt balance is misstated Additionally, if this debt is validated, I maintain that I never had an agreement with LVNV Funding LLConly with the original creditor. Without a valid contract, LVNV Funding LLC has no legal claim against me. 
If I do not receive proper validation within 15 days, I will : File a lawsuit against LVNV Funding LLC for FDCPA and FCRA violations. 
File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office regarding your unlawful collection practices and inaccurate reporting. 
Request a formal investigation into the false reporting of this account on my credit report. 
This letter serves as formal notice of intent to sue. I advise that LVNV Funding LLC cease all collection attempts until this matter is resolved.

Company response to consumer: Closed with explanation