Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a formal notice of complaint and demand for immediate cessation of all collection and credit reporting activities associated with the alleged account RESURGENT/LVNV FUNDING claim to own or service in my name. They are reporting information to consumer reporting agencies without possessing a complete and verifiable chain of assignment. As you are well aware, under established law, a debt collector must demonstrate ownership or lawful assignment of the alleged account in order to pursue collection or engage in credit reporting. In this case, such proof is legally impossible. According to the creditors own prospectus, their receivables are securitized and transferred to their XXXX XXXX. Once receivables are securitized, the originating creditor no longer owns the individual account receivable. Therefore, RESURGENT/LVNV FUNDING could not have obtained proper assignment, nor could they have any lawful authority to own, report, or collect on this alleged debt. Any claim otherwise is fraudulent and without merit. This position is reinforced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. In that case, the court held that a debt collector must establish its right to collect through a valid chain of assignment. Failure to do so renders any collection or reporting action improper and unlawful. Their inability to establish such a chain places them in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Further, they are in possession of and using my non-public, private personal information without my knowledge, consent, or authorization. At no time have I provided them written authorization, permission, or consent to access, process, store, or disseminate my personal identifying information. By accessing my credit report and furnishing data to consumer reporting agencies absent permissible purpose, they have committed : Identity Theft, as defined under 18 U.S.C. 1028 ; Violation of FCRA 604 ( 15 U.S.C. 1681b ), which strictly limits permissible purposes for accessing or reporting consumer information. Accordingly, they are hereby instructed to : Cease and desist all collection and reporting activity in connection with this alleged account ; Immediately delete any and all tradelines they have reported to XXXX XXXX XXXX XXXX XXXX Provide written confirmation immediately of receipt of this letter that they have complied with the above demands. If they fail to comply, I will not hesitate to file formal complaints with the Federal Trade Commission ( FTC ), my State Attorney General, and will pursue legal action against them for violations of the FDCPA, FCRA, and applicable state consumer protection statutes. This letter is sent in good faith with the expectation that they will promptly correct their unlawful conduct. Failure to do so will result in full pursuit of all remedies available to me under federal and state law.

Company response to consumer: Closed with non-monetary relief