Consumer complaint received 2026-03-03 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:
To LVNV Funding, I am addressing this account because it continues to appear on my credit report and/or is being collected without proper validation. I REFUSE TO PAY THIS DEBT. I do not acknowledge that I owe LVNV Funding any money. If your company believes otherwise, then you should have no issue producing the documents that prove it. If this account originated with another creditor and was later sold, explain how you obtained it. I want documentation identifying every prior owner of this alleged debt and the paperwork transferring ownership from the original creditor to each subsequent entity. If you rely on a bill of sale, it must specifically reference this account and be properly authenticated. Do not send summaries or internal collection notes. I am requesting original account-level documentation from the original creditor. That includes the signed agreement that created the account, statements reflecting activity attributed to me, the original contractual terms and any updates, and a complete payment and charge history from inception. If the amount you are reporting is higher than the balance at charge-off, explain exactly how the current figure was calculated and identify the contractual provision that authorizes those additions. Also, identify the individual at LVNV Funding who has personal knowledge of this account. I am not asking for someone who reviewed a screen. I am asking for the person who could testify to the authenticity of the records and establish a prima facie case under JMD Holding Corp v Cong. Fin. Corp., 4 NY 3d 373, 386 [ 2005 ]. That individual must also be familiar with the original creditors record-keeping practices as required by W. Valley Fire Dist . No. 1 v Vill. of Springville, 294 AD2d 949, 950 [ 4th Dept 2002 ]. Knowledge based solely on internal data is not sufficient. Provide the date of last payment with the original creditor. If this account is outside the statute of limitations, you may not misrepresent its enforceability under 15 U.S.C. 1692e ( 5 ). You are also prohibited from making any false, deceptive, or misleading representations regarding this debt under 15 U.S.C. 1692e ( 10 ). This letter constitutes a direct dispute pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). You are required to conduct a reasonable investigation within XXXX days. If you determine that this dispute is frivolous or irrelevant, you must notify me in writing within XXXX days. If you continue reporting this account without providing the documentation requested above, 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 of statutory damages of up to {$1000.00} per violation in addition to any actual damages incurred. You may either validate this account properly or remove it. Failure to do so will result in action being filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief