Consumer complaint received 2025-07-23 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, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF MULTIPLE ALLEGED ACCOUNTS IN DISPUTE The following accounts are being reported under my name and are now formally disputed : Acct # XXXX {$470.00} Acct # XXXX {$3200.00} Acct # XXXX {$2400.00} Acct # XXXX {$250.00} Acct # XXXX {$1400.00} Acct # XXXX {$900.00} Acct # XXXX {$900.00} Acct # XXXX {$1400.00} Acct # XXXX {$2400.00} Acct # LVNVFUNDG XXXX {$3200.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full legal validation of the above-referenced accounts, which are currently being reported by LVNV Funding LLC on my credit reports. I do not acknowledge any of these alleged debts, and you are hereby notified that you must immediately cease all reporting and collection activity until proper validation is provided.

As required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am demanding the following for each account individually : The Original Signed Contract or Promissory Note with my wet signature. Generic agreements, electronic printouts, or billing statements are not acceptable. 
A Binding Agreement showing I agreed to the alleged amount and terms.

A Complete Flow Sheet detailing all transactions, balances, payments, and charges from inception to present. 
Proof of Legal Assignment from the original creditor to LVNV Funding LLC including all purchase and transfer agreements. 
Proof that none of these debts are past the Statute of Limitations in XXXX, including documentation of last activity and full timeline justification. 
Proof that you are legally licensed to collect debts in the state of XXXX, including license number and name of issuing authority. 
The full name, department, and contact details of the individual who verified this debt with any credit bureau. 
A written statement confirming you did not use e-OSCAR or any automated verification method, as such methods do not meet the legal standard for reinvestigation under the FCRA. 
Let me be clear a billing statement or spreadsheet is not legal validation. If you can not provide every item listed above for each account, then by law you must : Immediately delete these accounts from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) Cease all future communication and collection attempts You have XXXX calendar days from receipt of this letter to comply. Failure to do so will result in : Formal complaints filed with the CFPB, FTC, and the Illinois  Attorney Generals Office Civil litigation seeking statutory damages for your violations of federal and state consumer protection laws I am invoking my legal rights under UCC 1-308. I do not waive any rights or protections afforded to me under the law. This is your official and final notice. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation