Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is not a duplicate dispute ; this is a new dispute. 

Certified Mail Return Receipt Requested LVNV Funding, LLC c/o Resurgent Capital Services , L.P. ( Servicer ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Demand for Validation and Proof of Ownership Civil Action No. XXXX Alleged Balance : {$4700.00} + costs NOTICE OF FORMAL DEBT VALIDATION REQUEST This letter is written pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the above-referenced account. 

I dispute this debt in its entirety. Pursuant to federal law, you must provide complete validation before any further collection or credit reporting activity continues. 

DOCUMENTATION REQUIRED To validate this claim, produce : Proof of Ownership / Chain of Title Complete chain of assignment, including bill ( s ) of sale, transfer agreements, and flow agreements showing transfer from XXXXXXXX XXXX to LVNV Funding, LLC. 

Identify all intermediary owners and attach schedules that specifically list my alleged account. 

Original Contract A copy of the original contract bearing my handwritten signature establishing any obligation. 

If relying on electronic records, provide E-SIGN Act-compliant proof ( audit trail, disclosures, timestamps ).

Payment History & Delinquency Full account-level history including payment records, charge-off details, and date of first delinquency ( DOFD ). 

Securitization Disclosure State whether this alleged debt was securitized, pooled, or sold into an asset-backed trust. Provide trust name, pooling and servicing agreement, and proof of LVNVs right to collect.

Validation Compliance Evidence that you complied with FDCPA 809 ( 15 U.S.C. 1692g ) by sending a proper validation notice. 

Documentation of your internal review process and communications with XXXX XXXX. 

FTC REPORT ON LVNV FUNDING LLC Be advised that I have already filed a formal report with the Federal Trade Commission : FTC Report Number : XXXX ( Filed XX/XX/year> ) Basis : LVNV Funding LLC, c/o Resurgent Capital Services , failed to provide proof of ownership or validation of the alleged debt, including a signed agreement.

Action Requested : Removal of this unverifiable debt from credit reporting.

Your continued attempts to collect or report this debt without proper validation constitute ongoing violations of 15 U.S.C. 1692e ( false representations ), 1692f ( unfair practices ), and 1681s-2 ( b ) ( duty to investigate and correct inaccurate reporting ).

DEMAND & DEADLINE You are hereby required to : Provide the above-requested documentation within 30 days of receipt. 

Cease all collection and reporting activity until full validation is provided. 

Immediately request deletion of this tradeline from XXXX XXXX XXXX XXXX if you can not produce competent evidence. 

Failure to comply will result in additional complaints to the FTC, CFPB, and the Georgia Attorney Generals Office, as well as potential litigation for damages under 15 U.S.C. 1692k and 15 U.S.C. 1681n1681o. 

RESERVATION OF RIGHTS This is not a refusal to pay, but a lawful dispute and request for proof. All rights are reserved, including pursuing relief in federal court. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief