Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Unlawful Collection Activity Account/Reference Number : XXXX To Whom It May Concern, I am formally demanding that LVNV Funding LLC cease all communication and collection activity regarding the above referenced account. This notice is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
1. Cease All Communication Effective immediately, LVNV Funding must stop all forms of contact with me, including : Phone calls Letters or mailed notices Emails or electronic messages Contacting my employer, relatives, or third parties All future communication must be in writing and limited to confirming cessation of collection activity or notifying me of specific legal action.

2. Formal Debt Validation Request ( FDCPA 809 ) Because LVNV Funding claims to own or collect on this alleged debt, I am requesting full and complete validation, including but not limited to : Name and address of the original creditor Full account number from the original creditor Complete itemized accounting of the alleged balance Full payment history from the original creditor Proof that LVNV Funding has the legal right to collect this debt Collection activity must cease until this information is provided.

3. Request for Assignment Contract / Chain of Title Because LVNV Funding claims ownership of this debt, I am specifically requesting all documents that establish legal transfer, including : Assignment Contract / Bill of Sale Chain of Title showing each transfer of ownership Purchase agreement between the original creditor and LVNV Funding Any warranties or representations made during the sale of the account These documents are necessary to verify that LVNV Funding has standing to collect or report this account. 
4. Credit Reporting Requirements ( FCRA ) If LVNV Funding is reporting this account to any consumer reporting agency, you must : Mark the account as disputed Provide only accurate, verifiable information Cease reporting unverifiable or inaccurate data Failure to comply constitutes a violation of the FCRA .

5. Notice of Intent to File Regulatory Complaints If LVNV Funding fails to comply with this cease and desist and validation request, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Maryland Office of the Attorney General Any other relevant regulatory agencies I will also consider pursuing civil remedies for statutory damages and any other relief available under federal and state law. 
6. Final Demand You are hereby instructed to : Cease all collection activity Provide full validation including the Assignment Contract Provide written confirmation of compliance Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief