Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Dear Resurgent Capital Services, L.P. and LVNV Funding LLC, I am in receipt of your letter dated XX/XX/year>, responding to my prior dispute regarding the above-referenced account. 
Your response is inadequate and fails to satisfy your obligations 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. Specifically : Simply stating that LVNV Funding LLC owns the alleged debt is not sufficient proof of ownership. 


Refusing to provide the purchase and sale agreement, or a document demonstrating clear chain of title, is unacceptable. 


Under 15 U.S.C. 1692g ( b ), when ownership is disputed, collectors must cease all collection activities until full and proper validation is provided. 


Your refusal to provide the purchase and sale agreement, while continuing to attempt collection and report to the credit bureaus, constitutes a violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692g ( b ). 


Mere internal balance summaries or statements from a prior creditor are not competent evidence of ownership or a legal right to collect. Courts have consistently found that when the ownership of a debt is challenged, collectors must produce sufficient documentation proving assignment or purchase not merely assert it. 
Additionally, your continued credit reporting of this alleged debt constitutes ongoing collection activity under the FDCPA and FCRA, despite your acknowledgment of my cease and desist request. Ceasing direct communication while continuing to report derogatory information is a violation of my consumer rights. This will be included in my pending and future complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney Generals Office, and the California State Bar. 
Let me be clear : I will not be intimidated by your refusal to provide basic documentation. Your continued attempts to delay this matter without proper validation will result only in further escalation. I will continue to file additional complaints for every ongoing violation until this account is properly closed as an open account, all collection activities cease, and the tradeline is permanently deleted from all credit reporting agencies. 
Effective immediately : All future communications regarding this matter must occur only through the CFPB complaint portal or official regulatory channels. 


You must immediately delete any tradeline you have reported regarding this account, as you have failed to legally validate ownership or your right to collect. 


You must cease all collection activities unless and until you can fully validate the debt, including providing a complete chain of assignment and proof of legal authority to collect. 


Failure to comply will be considered continued willful violations of the FDCPA and FCRA and will be used as evidence in any future legal proceedings. 
This communication is made without waiver of any rights, claims, or defenses.

Company response to consumer: Closed with explanation