Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX This letter is a formal and lawful demand for full validation and immediate investigation of XXXX count alleged to be associated with my name in credit file under the name LVNV Funding LLC XXXX XXXX XXXX serviced by Capital services. This request is made pursuant to my rights under the fair debt collections practices act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the fair credit reporting act ( FCRA ), 15 U.S 602, 609, 611 and 623. Be advised that I am fully aware of my legal rights as a consumer. I am challenging both the legal ownership of this alleged debt and the accuracy of the information being reported to the consumer reporting agencies. I do not acknowledge or accept liability for this debt and hereby request that you immediately cease all collection activities, and remove any negative information furnished to XXXX, XXXX, and XXXX until proper and complete validation has been provided and all disputes resolved. You are required by federal law to provide the following documentation and information for the account referenced above. XXXX. A copy of the original signed contract or application bearing my signature, establishing legal, blinding obligation between myself and original creditor. XXXX. The food chain of title and assignment history, including a copy of bill of sale or transfer agreements that clearly outlined the assignment from the original creditor to LVNV Funding LLC. This must include the date of assignment and the amount paid for the account. XXXX. An itemized account history and full breakdown of all transactions charges fees and interest applied from the last date and default through the current claim balance. XXXX. Proof of your legal authority to collect in my state of residence, including collections license and registration numbers required under my state consumer protection laws. XXXX. Copies of any and all notices sent to me regarding this debt, including an initial notice of depth and any subsequent communication. XXXX. Verification that this debt is being reported accurately in full compliance with FCRA & 623 ( a ) ( 1 ) ( a ) which requires data furnishers to report on the data that is complete and accurate. XXXX. Proof of compliance with. FCRA & 623 ( a ) ( 5 ) regarding the proper reporting of date of first delinquency to ensure that the account is its not legally reaged on my credit report XXXX. A statement confirming were there any payment or legal action have been taken on this alleged account and whether the statute of limitations has expired under acceptable state law. Until and unless you provide all of the above documentation and fully validate the alleged debt you are required by law to immediately cease reporting this account to the credit bureaus and stop all collection efforts. Continue to report this account without proper documentation constitute willful noncompliance and may result in legal action under FCRA & & 616 and 617 as well as FDCPA violations for unfair collection practices and failure to cease collection after dispute.

Company response to consumer: Closed with explanation