Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] Non-Domestic / Non-Resident Mail Resurgent Capital Services / LVNV Funding LLC XXXX. XXXX XXXX XXXX XXXX XXXX Re : Validation and Proof of Claim Demand XXXX Accounts Ending in XXXX, XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This correspondence serves as a formal Notice of Dispute, Demand for Validation, Proof of Claim, and Cease Communication Directive pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby instructed to fully comply with all provisions governing consumer rights and debt collector conduct under federal law. 

This correspondence addresses the following XXXX alleged accounts being reported under the name of LVNV Funding LLC, with Resurgent Capital Services acting as the servicer or agent : Account XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Account XXXX XXXX XXXX XXXXXXXX {$480.00} I hereby demand the following documentation for each of the above-referenced alleged accounts as required by 15 U.S.C. 1692g, 1692e, 1692f, and related federal statutes : The original contract bearing my wet-ink signature, establishing a direct agreement between myself and your company ; The complete chain of assignments and transfers, beginning with the original creditor and ending with your company, including notarized Bills of Sale ; Proof of claim in the form of a sworn affidavit under penalty of perjury by a competent fact witness with firsthand knowledge of the alleged debt ; A copy of your companys collection license for the state of XXXX  ; A completed and signed IRS Form XXXX XXXX XXXX XXXX XXXX for tax reporting purposes ; Certified accounting showing the origination of the alleged debt, any interest, payments received, charge-offs, and current balances owed. 

You are further required to provide : Proof that you sent the required written notice within five ( 5 ) days of your initial communication with me, pursuant to 15 U.S.C. 1692g ( a ) ( 1 ) - ( 5 ). Failure to provide such proof constitutes a material violation of the FDCPA and voids any further collection or reporting efforts ; A written statement confirming that no credit reporting, direct or indirect, will occur during the pendency of this validation period. Furnishing any derogatory information to a consumer reporting agency during this time constitutes unlawful communication under 15 U.S.C. 1692c.

This serves as a formal CEASE AND DESIST demand. You are not to contact me in any formincluding, but not limited to, telephone calls, emails, or credit reportingexcept to : a. Provide the requested documentation and validation listed above ; b. Provide written confirmation that the accounts are being permanently deleted from all consumer reporting agencies ; c. Tender a certified settlement check for any damages or remedy obligations you owe in accordance with 15 U.S.C. 1692k. 

Be advised that any further reporting or communication without full legal validation shall be construed as a willful violation of the FDCPA and FCRA, as well as unauthorized use of my personal identifying information in violation of 18 U.S.C. 1028 ( a ) ( 7 ), which constitutes identity theft. 

I reference the case law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), which ruled that failure to validate and attempting collection activities violates both the FDCPA and due process rights.

You have thirty ( 30 ) days from the date of receipt of this notice to comply with the requests above. Failure to provide full and complete documentation shall result in my pursuit of remedies, including statutory damages of {$1000.00} per violation, injunctive relief, and legal action. 

This is a good faith effort to resolve this matter privately. Preserve all rights without prejudice. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief