Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding llc Re : Cease and Desist Request Account ( s ) Dear Sir/Madam, I am writing to formally request that you cease and desist all communication regarding the following accounts listed under my name. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you immediately stop contacting me concerning these alleged debts. The details of the accounts in question are as follows : * Account Name : LVNV funding llc * Account Number : XXXX * Balance : {$980.00} * Date Opened : XX/XX/XXXX I dispute the validity of these debts. In accordance with the FDCPA and applicable case law, I request that you cease any further communication with me regarding the above accounts, as required by 15 U.S.C. 1692c ( c ). Failure to comply with my request will result in further legal actions. Specifically : FDCPA Section 1692c ( c ) : Under this section, a consumer has the right to request that a debt collector cease further communication, and the debt collector must honor such a request. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court found that a XXXX failure to comply with a cease and desist request is a violation of the FDCPA. FDCPA Section 1692e : This section prohibits the use of any false, deceptive, or misleading representations or means in connection with the collection of a debt. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the U.S. Supreme Court held that the FDCPA applies to all persons who collect debts, even if the debts are not owed directly to them. Continuing to contact me without legal grounds violates this provision. FDCPA Section 1692f : This section prohibits the use of unfair or unconscionable means to collect a debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), highlighted that any harassment or repeated and unjustified contact by a debt collector could be considered an unfair practice under this section, especially after a cease and desist request has been made. Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case confirmed that once a debt collector has been notified that the consumer disputes the debt, they are required to cease further attempts to collect unless they can prove that the debt is valid. As such, I demand that you cease all attempts to collect on these accounts until you provide proper validation of the debt. In addition to your compliance with my request under the FDCPA, I also expect that any information regarding these debts be accurately reported to credit bureaus, and that you refrain from reporting any inaccurate or incomplete information. Should you continue any further attempts to collect on these debts without proper validation or in violation of the FDCPA, I will not hesitate to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office. Please consider this letter your official notice to cease and desist all collection efforts on these accounts. You are required to respect my legal rights as stipulated by the FDCPA and the above-mentioned case law.

Company response to consumer: Closed with non-monetary relief