Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV has purchased my account information from XXXX for pennies on the dollar in efforts to collect a greater amount than paid to XXXX. LVNV has attempted to extort money via extortionate means from a non-performing obligation that has already been satisfied by XXXX through multiple means including but not limited to discharge, securitization, default insurance, tender, transfer, sell of account information and write-off for tax benefits per IRC 166 where XXXX for an obligation to be considered a loss and written off as a loss it must be zeroed out and recorded as a loss on the books as per 26 CFR 1.165-1 ( b ) see XXXX XXXX XXXX XXXX . Notice once an obligation is discharged the consumer is no longer liable to pay as established under IRS Topic 431 because the obligation is no longer performing and enforceable. Given that LVNV has attempted to coerce money on a non-performing obligation LVNV has attempted to demand unlawful performance and unlawfully enforcer a non enforceable obligation for profit and gain off its clients tax benefit despite being placed on notice resulting in collection activity conducted under fraud, false, deception and misleading pretenses triggering the FDCPA among other Federal Law violations. 
Despite this, LVNV then was demanded via notarized notice sent certified mail ( # XXXX ) on XX/XX/XXXX received XX/XX/XXXX to validate its rights/authority and ownership of the account under XXXX by providing these necessary documentative evidences as required under Federal Law via : 1 ) Original creditor name & contract with the wet signature of the principal w/ Resurgent & LVNV creating an obligation to re-pay on a non-performing obligation lawfully. 
2 ) The complete accounting ledger ( double book entry ) per G.A.A.P. ( Generally Accepted Accounting Principles ) & UCC9-210, UCC 8-504 & 8-505 showing where XXXX took a loss in loaning money from its own books via a issued credit card as an alleged creditor proving principals consumer application contributed nothing in the initial transaction where XXXX obtained a finance charge in the consumer credit transaction. 
3 ) Evidence of lawful acquisition of account/instrument without notice of default under UCC 3-203 & 302 showing LVNV & Resurgent have Holder In Due Course Rights to demand performance in commerce as attempted in this dunning letter. 
4 ) Proof of a lien via UCC-11 showing principal as DEBTOR 5 ) Proof of Proper Chain Of Title, Bill OF Sale & Purchase Agreement showing principal SPECIFIC account where you are promised accuracy of account by XXXX and granted any lawful right if any to coerce money in commerce and or litigate to coerce money in commerce on a non-performing obligation that has been discharged for TAX purposes. 

Notice LVNV not only refused to prove its rights/authority/ownership under the account XXXX by providing the documentative evidence required under Federal Law, LVNV instead attempted to validate its claims by inappropriately and mistakenly sending statement coupons that belonged to an account under XXXX XXXXXXXX. LVNV defaulted and failed to properly validate its claims proving LVNV has no rights/authority nor ownership per UCC of any account to demand lawful performance but has only attempted to extort and coerce money on a non-perofmring obligation it has no rights nor authority over what so ever. 
As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), statement coupons are insufficient in validating lawful ownership of and a right to enforce a debt. see also XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXXXXXX ), which held : A debt collector can not rely on bills of sale or affidavits showing a bulk purchase of debts without proving ownership of the specific account at issue. See also LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX which held A debt buyer must prove ownership of the specific debt. see also In re XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ) : which held A party must prove a complete and valid transfer of rights to enforce a debt. 
Notice it is a fact LVNV has obtained my consumer account information and has not only violated the FDCPA via fraudulent collection activities, but has also violated the FCRA for unlawfully and inappropriately furnishing inaccurate ( owing balance on discharged non-performing obligation ) and false and deceptive ( owing balance to LVNV who has no right/authority to demand performance ) information on my credit report that has severely harmed my character and caused severe anguish and humiliation in regards to a non-performing obligation LVNV has no rights over that has already been written-off for tax benefits, discharged and satisfied through multiple means as stated. LVNV has inaccurately reported a owing balance on a discharged obligation that has already been zeroed out in accordance with title 26 as stated in efforts to harm me and force me to unlawfully perform and pay money to LVNV for profit and gain. Notice such reporting of a owing balance goes against Supreme Court ruling in XXXX XXXX XXXX XXXX XXXX where the Court held a credit report may include discharged debt only if the debt [ is reported ] as having a XXXX balance due to reflect the fact that the consumer is no longer liable for the discharged debt ) ( as also established under IRS Topic 431 ). 
Notice not only has LVNV violated the FCRA in multiple occasions but the FDCPA in multipl occasions including but not limited to 15 USC 1692c where LVNV upon attempting to extort and coerce money unlawfully on a non-performing obligation discharged for tax purposes was conspicuously and clearly placed on notice upon receiving a Notice For Validation on XX/XX/XXXX to CEASE & DESIS ALL COMMUNICATION EFFORTS BY ANY MEANS which also includes communication via furnishing debt related information with third parties such as the Credit Agencies ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) in which as of XX/XX/XXXX up to today XX/XX/XXXX XXXX has disregarded the request to CEASE & DESIST and has continued to communicate with me as of 90 days now which violates 15 USC 1692c and LVNV is now liable for {$1000.00} under 15 USC 1692k for each day it has maintained in communication with me upon notice to CEASE & DESIS sense XX/XX/XXXX until today XX/XX/XXXX totaling a liability of {$90000.00} which I am now seeking along with other damages suffered for further violations under Federal Law including but not limited to the FCRA and FDCPA. LVNV was also presented with an opportunity in good faith to settle the matter swiftly and amicably between the parties and it refused and dishonored the offer.

Company response to consumer: Closed with explanation