Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX LVNV Funding LLC XXXX : XXXX Department XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Request for Validation of Alleged Debt Account Number : XXXX, in the amount of {$2000.00} To Whom It May Concern : This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and other applicable consumer protection laws. I am requesting that LVNV Funding LLC provide proper validation of the alleged debt you claim I owe under account number XXXX. 

Be advised that this is not a refusal to pay, but a notice that your claim is disputed and that validation is required. Until such validation is provided, you must cease all collection activity, including reporting this debt to any credit reporting agency, as required by law. 

Specifically, please provide the following documentation : XXXX. Proof of XXXX & XXXX The original signed agreement or contract allegedly creating the debt. 
The name and address of the original creditor. 
A complete account history showing how the amount claimed was calculated. 
Documentation establishing that LVNV Funding LLC is legally entitled to collect this debt, including a full chain of assignment/ownership from the original creditor to your company. 
XXXX. Compliance with XXXX Provide your debt collector license number ( XXXX ) and proof of authorization to collect debts in my state. 
Provide verification that this alleged debt is not past the statute of limitations for collection under state law. 
XXXX Credit Reporting Compliance If this account has been reported to any consumer reporting agency, provide the date of first delinquency as furnished under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c.

Until validation is provided, you must immediately remove any negative credit reporting related to this alleged debt, as continuing to report unverifiable information violates 15 U.S.C. 1692e ( 8 ).

Notice of Rights Any attempt to collect a debt without providing the requested validation is a violation of 15 U.S.C. 1692g ( b ).

Any reporting of unverifiable or inaccurate information to credit bureaus constitutes a violation of the FCRA, 15 U.S.C. 1681s-2.

Continued collection activity without validation may also constitute harassment and unfair practices under 15 U.S.C. 1692d and 1692f.

Until I receive proper validation, you are required by law to : Cease all collection activity.

Cease reporting this account to any credit reporting agencies.

Cease contacting me except to provide the requested documentation.

Please provide the above-requested documents within 30 days of receipt of this letter. If you fail to comply, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect your full compliance with federal law in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation