Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> LVNV Funding, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Re : Formal Demand for Full Validation Multiple Accounts in Dispute Accounts in Dispute : LVNV Funding Account # XXXX {$1100.00} LVNV Funding Account # XXXX {$1500.00} LVNV Funding Account # XXXX {$1900.00} To Whom It May Concern, This letter is issued in response to multiple alleged debts you are reporting in my name. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing all of the above-referenced accounts and demanding strict, complete, and verifiable validation. I do not acknowledge any liability for these alleged debts.

Under UCC 8-102 ( a ) ( 15 ), if these alleged debts were ever transferred, sold, securitized, or placed into any trust or asset-backed structure, LVNV Funding loses legal standing to collect.

Additionally, Rule 1002 of the Federal Rules of Evidence requires the original contract with my signature to prove any alleged obligation. Billing statements, internal records, or computer printouts do not satisfy federal validation requirements.

Because I dispute these accounts, I am demanding the following documentation for each account : 1. Proof of Ownership & Legal Standing The original signed contract or agreement bearing my signature.

A complete chain of title/assignment, including all transfers, dates, and signatures.

The full purchase agreement between the original creditor and LVNV Funding for each account. 

XXXX. Full Debt Validation & Itemized Accounting A complete itemized accounting for each account detailing how each balance was calculated. 

A ledger of principal, interest, fees, credits, and charge-offs. 

Proof each balance is accurate, lawful, and collectible. 

XXXX. Securitization Verification Written confirmation whether any account was securitized or sold.

The name of any trust, SPV, or investor associated with these debts.

Copies of any Pooling & Servicing Agreements or trust documents.

4. Authorization to Collect Proof of your Illinois collection license.

Documents showing the original creditor authorized you to collect.

Full name and contact information of the original creditor for each account.

5. Consumer Rights Compliance Copies of all letters, notices, or documents you claim were sent to me, including proof of mailing.

Any Notice of Assignment from the original creditor.

Any arbitration agreements or governing contracts tied to these accounts.

LEGAL NOTICE Until you provide full and complete validation, I do not acknowledge any liability for these alleged debts.

Under 15 U.S.C. 1692g ( b ), ALL collection activity must cease immediately until validation is mailed to me.

Providing billing statements or screenshots as proof is a federal violation, not validation.

Under 15 U.S.C. 1692e ( 8 ), you must update every credit bureau to mark these accounts as disputed.

If you can not validate : You must delete all three accounts from all credit bureaus ; You must cease all collection activity ; You must send written confirmation of permanent deletion.

Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and may result in civil litigation under FDCPA 1692k and FCRA 1681n & 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation