Consumer complaint received 2026-05-19 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: TX

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX OF RESURGENT CAPITAL SERVICES L.P . XXXX XXXX XXXX XXXX, SC XXXX RE : FORMAL DEMAND FOR VALIDATION OF ALLEGED DEBT - ACCOUNTXX/XX/XXXXXXXX To Whom It May Concern : This letter serves as a formal notice that I dispute the validity of the alleged debt your company claims I owe. You are reporting this account to consumer reporting agencies and/or attempting to collect without providing competent evidence that I have any legal obligation to pay your company. Your failure to provide proper validation constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692g of the FDCPA, I am requesting full validation of this alleged debt. To date, your company has failed to provide any admissible evidence whatsoever proving : I entered into a contractual obligation with your company or the original creditor The debt amount is accurate Your company has legal standing to collect The account was lawfully assigned or transferred The information being reported is complete and accurate Be advised that a simple account statement, balance summary, or computer-generated document is not sufficient validation. You are hereby demanded to provide the following : A copy of the original signed contract or agreement bearing my signature Complete accounting records and payment history Proof of assignment or purchase of the alleged debt The name and address of the original creditor The date of first delinquency Documentation proving your authority to collect in my state Verification of every amount being reported to the credit bureaus Furthermore, under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting information they can not verify as accurate. Your continued reporting of this account without proper investigation and validation may constitute willful noncompliance with federal law. You are also reminded that : Reporting unverifiable information violates 15 U.S.C. 1681e ( b ) Failure to conduct a reasonable investigation violates 15 U.S.C. 1681s-2 ( b ) False or misleading representations violate 15 U.S.C. 1692e Unfair collection practices violate 15 U.S.C. 1692f If you can not provide the requested documentation, you must : Immediately cease all collection activity Remove all references to this account from every consumer reporting agency Provide written confirmation of deletion Should your company continue collection efforts or continue reporting this account without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue all available legal remedies for violations of federal consumer protection laws. This is your opportunity to comply with federal law. Failure to respond appropriately within 30 days will be documented as continued noncompliance. Govern yourselves accordingly. Sincerely

Company response to consumer: Closed with explanation