Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Debt Validation & Cease Collection Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX SS # XXXX XXXX Re : Account XXXX Alleged Owner : LVNV Funding, LLC XXXX Dear Resurgent Compliance Department, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I dispute in its entirety the validity, ownership, and enforceability of t
he alleged debt referenced above. Accordingly, I hereby demand full validation of this debt. Validation requires, but is not limited to, the following : 1. Proof of Ownership Provide a complete chain of assignment from the original creditor ( XXXX XXXXXXXX XXXX XXXX. ) to LVNV Funding, XXXX. A mere account summary or printout generated internally is insufficient. See XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2. Contractual Agreement Produce a copy of the signed credit agreement or application allegedly executed by me. Absent such proof, there is no contractual liability. See XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ). 
3. Itemized Accounting Provide a complete transactional history showing how the alleged balance of {$710.00} was calculated, including all fees, interest, and charges. Courts have held vague account summaries inadequate. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Right to Collect Demonstrate that your organization is legally licensed and authorized to collect debts in my state of residence. 
________________________________________ Cease & Desist Demand Until such validation is produced, you must cease all collection activity, including but not limited to : Telephone calls, letters, emails, or third-party contacts. 
Reporting or verifying this alleged debt to the credit bureaus. 
Selling, transferring, or assigning this account to another debt buyer.

Any continued reporting or collection activity without proper validation constitutes a violation of FDCPA 1692e ( 8 ) ( false credit reporting of disputed debts ) and FCRA 623 ( a ) ( 1 ) ( A ). 
________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Mere account printouts are insufficient as debt validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Debt collectors must cease collection until adequate validation is provided. 
XXXX XXXX XXXX, XXXX XXXX computer printouts are inadequate validation. 
________________________________________ Failure to comply with this demand will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, along with consideration of civil action for statutory damages. 
This is a formal notice; please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief