Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Request for Securitization Proof, Verification of Debt Ownership, and Cease and Desist Order for Credit Bureau Reporting Account XXXX Dear LVNV FUNDING LLC, This letter serves as my third and final request for proper documentation regarding the debt referenced above. As a consumer, I have rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which I am exercising by demanding securitization proof and verification of ownership for this debt. 

Despite previous requests, I have not received the required documentation. If this final request is not fulfilled, I will pursue all available legal remedies. Additionally, I am issuing a formal cease and desist order requiring that you immediately halt all reporting on this debt to the following credit bureaus : XXXX, XXXX, and XXXX. 

To resolve this matter, I demand the following : Proof of Ownership : Under FDCPA 809 ( b ), please provide verifiable documentation of the current ownership of this debt, including proof of your agency 's authority to collect on behalf of the debt owner. 

Chain of Title : I require a complete chain of title that shows all assignments, sales, and transfers from the original creditor to any subsequent parties, including your agency. This documentation should include transaction dates and the names of all involved entities. 

Securitization Documentation : If this debt was pooled or securitized, provide documents identifying the specific security or trust to which it was assigned. This should include details on transaction dates and all involved parties.

Itemized Breakdown of Debt : Under FCRA 609, I request a complete itemized breakdown of this debt, detailing the principal, interest, fees, and other charges to ensure accuracy in the amount being pursued. 

In accordance with FDCPA regulations, all collection activities must be suspended until you provide full verification of this debt. Furthermore, as noted, you are hereby instructed to cease and desist all reporting related to this debt to XXXX, XXXX, and XXXX until you fully comply with my request. Should you continue reporting or collection efforts without providing proper verification, I will seek legal action for statutory damages of up to {$1000.00} per violation, in addition to actual damages, court costs, and attorney fees as allowed by law. 

If you fail to comply with this final request, I demand that all collection activity cease permanently and that any credit reporting reflect the debt as unverified. 

Please respond with the requested documentation within the legally required timeframe of 30 days. This is your final opportunity to resolve this matter without escalation to legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation