Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern : Re : Formal Demand for Validation and Verification of Alleged Debts Accounts in Question : - LVNV Funding / Account # XXXX XXXX XXXX XXXX XXXXXXXX LVNV Funding / Account # XXXXXXXX XXXX XXXX XXXX XXXX LVNV Funding / Account # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX This correspondence serves as my formal and final demand for full validation and verification of the alleged debts referenced above. This request is made 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. 1681i and 1681s-2. Effective immediately, you are hereby ordered to cease and desist from all collection activities, communications, or credit reporting related to these accounts until complete validation has been lawfully provided. Any continued collection, reporting, or assignment prior to proper validation will constitute a willful and knowing violation of federal law. 1. Full Validation of the Alleged Debt- A complete and legible copy of the original signed contract or agreement bearing my signature.- A full and itemized accounting of all transactions from inception to present, including all fees, interest, and payments. 2. Proof of Ownership and Right to Collect- Legal documentation establishing LVNV Fundings ownership or collection rights to the alleged accounts.- The entire unbroken chain of assignment and transfer from the original creditor to your agency, with all dates, entities, and authorizing signatures. 3. Licensing and Bonding Verification- Written proof that LVNV Funding and any associated collection entities are fully licensed and bonded to conduct debt collection activities within my state, in compliance with all federal and state laws. 4. Verification of Credit Reporting Accuracy- Evidence that all reporting to consumer credit agencies conforms to Metro 2 Format standards and that all data is accurate, complete, and not misleading in any way. Until each of the above items has been produced and properly verified, you must immediately cease all forms of collection activity, including but not limited to calls, letters, third-party assignments, and credit reporting. Failure to provide full and proper validation within thirty ( 30 ) days of receipt of this notice will require you to delete all references to these accounts from all consumer credit reporting agencies and permanently cease all collection efforts. Any continued reporting or collection attempts without valid proof of debt will be considered a knowing and deliberate violation of federal law, exposing LVNV Funding and any related parties to civil liability under 15 U.S.C. 1692k and 1681n1681o, including statutory damages, actual damages, attorneys fees, and punitive damages. Please be advised that I am preserving all correspondence and documentation pertaining to this matter for potential civil and regulatory action. Noncompliance will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General. I expect full compliance and a complete written response within the statutory period.

Company response to consumer: Closed with explanation