Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC, I am contacting you because your company is reporting or attempting to collect an account associated with my name. I am disputing this account and asking for clarification about how LVNV Funding concluded that I owe this debt. I REFUSE TO PAY THIS DEBT. Before any further collection activity or credit reporting occurs, I need to understand the basis of your claim. If LVNV Funding believes it has the legal right to collect this account, please explain how your company obtained it. If the account originated with another creditor and was later transferred or sold, provide the documentation showing that transfer. Specifically, I am requesting records identifying the original creditor, the date the account was charged off, and the chain of ownership from that creditor to each entity that possessed the account before it reached LVNV Funding. If the account was sold, provide the assignments or bill of sale that reference this account so it can be verified that your company has lawful ownership. I am also requesting the original records that created the alleged debt. Those records should include the agreement that opened the account, the terms that governed the account at that time, and any updates issued later. In addition, provide the statements or transaction history from the original creditor showing the activity that resulted in the balance you are claiming. If the balance currently reported by LVNV Funding differs from the balance at charge-off, explain how the difference was calculated and identify the contractual provision that permits those additional charges. Please also identify the person within LVNV Funding who has personal knowledge of the records your company is relying upon. That individual sho uld be capable of establishing a prima facie case consistent with JMD Holding Corp v Cong. Fin. Corp., 4 NY 3d 373, 386 [ 2005 ] and must be familiar with the original creditors record-keeping practices as described in W. Valley Fire Dist. No. 1 v Vill. of Springville, 294 AD2d 949, 950 [ 4th Dept 2002 ]. I would also like the date of the last payment made to the original creditor. If this account is outside the statute of limitations, the law prohibits misrepresenting its enforceability under 15 U.S.C. 1692e ( 5 ). Any false, deceptive, or misleading representation regarding a debt is also prohibited under 15 U.S.C. 1692e ( 10 ). This communication should be treated as a direct dispute pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). A reasonable investigation must be conducted within thirty days. If LVNV Funding believes this dispute is frivolous or irrelevant, written notice must be provided within five days. If the documentation requested above can not be produced and the account continues to be reported or collected, I am prepared to enforce my rights under 12 U.S.C. 5565 ( a ) ( 1 ), including violations of the FDCPA ( 15 U.S.C. 1692a, 1692e, 1692l ) and the FCRA ( 15 U.S.C. 1681s-2 ). I am aware that statutory damages of up to {$1000.00} per violation may apply in addition to any actual damages incurred. You may either validate the account with the proper documentation or remove it. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief