Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have submitted a complaint and requested that LVNV Funding LLC provide a purchase agreement between LVNV Funding and I. They have refused to do so. They have not provided debt validation showing that I owe LVNV Funding. 
I have been sue by this company and they could not provide proof. Im being harassed by LVNV Funding. 

Re : Cease and Desist Communication & Dispute of Debt ( Account Number : [ Your Account Number, if available ] ) To Whom It May Concern : I am writing to formally demand, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), that you cease all communication with me regarding the alleged debt associated with the above-referenced account number. 

Additionally, I am disputing the accuracy of the information you have provided or reported regarding this alleged debt under the Fair Credit Reporting Act ( FCRA ), Section 623 ( 15 U.S.C. 1681s-2 ). Specifically : Section 623 ( a ) : Responsibilities of Furnishers of Information You are required by law to ensure that any information you report to credit reporting agencies is accurate and complete. I believe the information related to this debt is inaccurate, incomplete, or unverifiable.

Section 623 ( b ) : Duty to Investigate Disputed Information Under this section, you are required to : 1. Conduct a thorough investigation into the accuracy of the disputed information. 
2. Notify the credit reporting agencies of the dispute and correct any inaccuracies found during your investigation.

Failure to comply with these obligations constitutes a violation of federal law and may subject you to legal penalties. 

Cease and Desist Request Pursuant to the FDCPA, I demand that you immediately cease all forms of communication with me, including but not limited to phone calls, emails, and written correspondence, regarding this alleged debt. Communication is only permitted if it falls within the exceptions outlined by law, such as to inform me : 1. That your collection efforts have been terminated.

2. Of your intention to invoke specific legal remedies.

3. That legal action has been initiated, if applicable.

Dispute of the Debt This letter serves as notice that I dispute the validity of this alleged debt in its entirety. Any continued attempt to collect this debt without validating it will be considered a violation of the FDCPA. 

Furthermore, I request the following : 1. Written confirmation that the alleged debt has been verified, validated, or corrected.

2. That you notify all credit reporting agencies to which you reported this debt, and ensure that any inaccurate or unverifiable information is removed or corrected immediately.

Legal Action Failure to comply with the FCRA ( Section 623 ( a ) and ( b ) ) or the FDCPA will result in my filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. I also reserve the right to pursue civil remedies to protect my rights under federal and state law. 

This letter is not an acknowledgment of the validity of the alleged debt or a promise to pay. It is a formal demand for compliance with federal laws. 

Please confirm in writing that you have received this cease and desist request and that all communication efforts will cease immediately. Additionally, I request written confirmation of your investigation into the accuracy of the information you have reported. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief