Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
XX/XX/XXXX LVNV Funding LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : LVNV Funding LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account # : XXXX Dear Sirs/Madams, In reading your response to my complaint # XXXX with the CFPB. I noticed that you did not actually validate the debt you seek. The submission of a " summary account report '' is not validation of the debt, as the particular information requested was not provided. I dispute this debt, and the amount posted on your summary ( Attached to this complaint ). According to code 12 CFR 1006.26 this debt has exceeded the time-barred statue limitation according to your summary report. The date of last payment activity was XX/XX/XXXXXXXX  This debt is not mine and maybe an act of Identity Theft. Can your company provide me with any payment history of me making any payments on this debt to the current or previous owner. 

Again, I am requesting that is account be removed from my credit reports immediately as you have violated FCRA 15 USC 6802 and 15 USC 1681 ( b ) or please provide me with any contact between myself and XXXX XXXX or myself and LVNV Funding with my signature entering in any type of contact of service. I have not received a validation response to my request for verification on the debt other than your Account Summary report which does not serve as VALIDATION OF DEBT. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. 







As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO. 
UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.

Company response to consumer: Closed with explanation