Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XX/XX/year> Contact info Name XXXX XXXX XXXX Address XXXX, SC XXXX RE : Account No XXXX - Formal Debt Validation Demand and Cease-and-Desist Notice To Whom It May Concern, This letter serves as my second formal demand for debt validation and immediate action to cease and desist all communication and collection efforts, including any reporting to credit bureaus regarding the above-referenced account. As per 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ), you are legally obligated to fulfill this request, and your previous response has been inadequate and non-compliant with Federal Trade Commission ( FTC ) debt validation guidelines.

The FTC has made it clear that simply providing a printout, bill, or other basic account documents does not meet the standards of debt validation. A mere itemization of alleged amounts does not satisfy my demand for a thorough debt validation as outlined in federal law.

Therefore, I am now demanding all of the following items to verify the legitimacy of this debt : Proof of Assignment or Sale of this debt to Asset Recovery Solutions , LLC, from the original creditor.

Agreement with My Original Wet Signature, indicating that I agreed to assume this debt.

Valid Copies of the Original Debt Agreement, which should outline both the principal debt amount and any interest charges.

Proof that the Statute of Limitations in Texas has not expired on this alleged debt.

Complete Payment History on this account, including a full accounting of any additional charges, fees, or interest that have been assessed.

Proof of Licensing to collect debts in Texas, including all license numbers, registered agents, and agents of service.

Authority to Collect on This Debt, including any agreement with your client that permits you to collect on their behalf.

Agreement Bearing My Wet Signature agreeing to pay
the original creditor.

Any Insurance Claims made by any creditor on this account.

Any Judgments obtained by any creditor in relation to this account.

Identification of the Alleged Creditor, including
the name and address.

Name of the Alleged Debtor and any associated account numbers. Address on File for the Alleged Debtor.

Full Breakdown of the Alleged Debt Amount, including when this debt allegedly became payable. 
Date of Original Charge-Off or Delinquency. Verification of Assignment or Sale of this debt to your agency. Commission Agreement that outlines any comp
ensation you receive upon successful collection.

Purchase Agreement with the Original Creditor authorizing your agency to collect on this debt, including all associated verification documentation.

Non-compliance with this request will be interpreted as your waiver of all claims to enforce this debt and your implied agreement to compensate me for any court costs and attorney fees if I am compelled to escalate this matter legally. I also demand that you cease any and all communication regarding this debt in line with 15 U.S.C. 1692c ( c ).

Additionally, let this serve as a formal warning against reporting this disputed debt to any credit reporting agency. Such reporting will be a violation of my rights and will constitute a form of communication intended to collect on a debt, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ) while this matter remains unresolved. 

If LVNV FUNDING LLC, fails to comply with the above, be advised that I am prepared to pursue all available legal remedies, including bringing this matter before a judge and seeking fines of up to {$1000.00} for each FDCPA violation, actual damages, and attorneys fees. 

I intend to take all legal steps available to me if I do not receive a full response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation