Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Cease and Desist Notice & Demand for Correction of Inaccurate Credit Reporting XXXX XXXX [ Your Address ] XXXX XXXX, NV XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX. 
XXXX Department XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, SC XXXX Subject : Formal Cease and Desist Notice & Dispute of Inaccurate Credit Reporting Re : Account Number : XXXX | CFPB Case # : XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist demand under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requiring you to immediately halt all communications and reporting of inaccurate or unverifiable information related to the above-referenced account. 

Furthermore, a formal complaint has been filed against XXXX XXXX XXXX and LVNV Funding LLC with the following agencies due to your violations of federal law and deceptive practices : Consumer Financial Protection Bureau ( CFPB ) Complaint # XXXX Federal Trade Commission ( FTC ) XXXX filed for unfair and deceptive debt collection practices. 

Better Business Bureau ( BBB ) Complaint filed for misleading credit reporting. 


Your claim that I owe this debt is invalid, and your continued attempts to report this account without proper validation violate multiple laws. 

Violations of Debt Collection and Consumer Protection Laws 1. No Legal Obligation to Pay LVNV Funding LLC Under contract law, debt can only be enforced if a valid contract exists between the debtor and the creditor. 

You have failed to provide a signed contract proving that I owe LVNV Funding LLC. 

Since I never signed an agreement with your company, I am under no legal obligation to pay you anything. 



2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S. Code 1692g ( b ) ) You have failed to validate the debt, making your collection efforts unlawful.

You refused to provide a purchase and sale agreement, which is necessary to prove ownership of the debt.

Any further collection attempts will be considered a willful violation of federal law.

3. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S. Code 1681s-2 ( a ) & ( b ) ) You are furnishing false and misleading information to credit bureaus.

You failed to ensure maximum possible accuracy, as required under 15 U.S. Code 1681e ( b ).

4. Constitutional and Consumer Rights Violations Your actions violate my due process rights under the Fifth and Fourteenth Amendments by unlawfully affecting my financial reputation. 

You are defaming me financially by reporting false information without proper validation. 




Formal Cease and Desist Order Under 15 U.S. Code 1692c ( c ) and state contract laws, I am ordering you to immediately cease and desist the following unlawful activities : 1. Stop all credit bureau reporting of this account until you provide a legally binding, signed contract proving my obligation to LVNV Funding LLC.

2. Provide full validation of the debt, including : A signed agreement proving my liability to LVNV Funding LLC.

A certified chain of title showing all ownership transfers.

A copy of the purchase and sale agreement proving LVNV Funding LLC legally owns the debt.

3. Immediately delete this account from my credit report if you can not provide this documentation.

4. Cease all collection attempts immediately. 



Failure to comply within XXXX  days ( by XX/XX/year> ) will result in : Further escalation with the FTC, CFPB, and state regulators for consumer fraud and unfair collection practices. 

Legal action for FDCPA and FCRA violations, seeking statutory and punitive damages. 


This letter serves as formal notice that any further attempts to collect an unverified debt will be met with legal and regulatory consequences. You are required to respond in writing confirming your compliance within XXXX  days of receipt. 

Sincerely, XXXX XXXX [ Your Address ] XXXX XXXX, NV XXXX XXXX -- - FINAL CEASE AND DESIST NOTICE IMMEDIATE ORDER TO STOP REPORTING TO CREDIT BUREAUS AND CONTACTING ME XXXX XXXX [ Your Address ] XXXX XXXX, NV XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX. 
XXXX Department XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, SC XXXX Subject : FINAL CEASE AND DESIST ORDER IMMEDIATE TERMINATION OF ALL REPORTING AND CONTACT Re : Account Number : XXXX | CFPB Case # : XXXX To Whom It May Concern, This letter serves as your FINAL CEASE AND DESIST NOTICE under 15 U.S. Code 1692c ( c ) ( Fair Debt Collection Practices Act - FDCPA ). Effective immediately, you are ordered to cease and desist from the following activities : 1. STOP REPORTING THIS ACCOUNT TO ANY AND ALL CREDIT BUREAUS ( XXXX, XXXX, XXXX, or any other reporting agency ). 


2. DO NOT CONTACT ME IN ANY WAY REGARDING THIS DEBT.

No phone calls No emails No letters No third-party communication 3. DO NOT attempt to collect, verify, or update any information regarding this alleged debt. 



Furthermore, formal complaints have already been filed against XXXX XXXX XXXX and LVNV Funding LLC with the following agencies due to your violations of federal law : Consumer Financial Protection Bureau ( CFPB ) Complaint # XXXX Federal Trade Commission ( FTC ) XXXX for unfair and deceptive debt collection practices. 

Better Business Bureau ( BBB ) Complaint for misleading and inaccurate credit reporting. 


VIOLATIONS OF FEDERAL LAW 1. NO LEGAL OBLIGATION TO PAY LVNV FUNDING LLC Under contract law, debt can only be enforced if a valid contract exists between the debtor and the creditor. 

You have failed to provide a legally binding agreement bearing my signature proving I owe LVNV Funding LLC. 

Since I never entered into any agreement with LVNV Funding LLC, I owe your company NOTHING. 



2. FDCPA VIOLATIONS 15 U.S. Code 1692g ( b ) You have failed to provide valid debt verification and have refused to supply the purchase and sale agreement, which is required to prove ownership of the debt.

Any further attempt to report, collect, or contact me about this debt is a direct violation of federal law.

3. FCRA VIOLATIONS 15 U.S. Code 1681s-2 ( a ) & ( b ) You are furnishing false and misleading information to credit bureaus.

You failed to ensure maximum possible accuracy, as required under 15 U.S. Code 1681e ( b ).

4. CONSTITUTIONAL & CONSUMER RIGHTS VIOLATIONS Your false reporting is depriving me of my due process rights under the Fifth and Fourteenth Amendments. 

Defamation and financial harm caused by your company will not be tolerated. 




FINAL CEASE AND DESIST ORDER Under 15 U.S. Code 1692c ( c ) and applicable state contract laws, I am ordering you to comply with the following demands : IMMEDIATELY STOP ALL REPORTING of this alleged debt to XXXX, XXXX, XXXX, or any other credit reporting agencies. 

IMMEDIATELY CEASE ALL COMMUNICATION with me regarding this alleged debt. 

REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY unless you provide : A legally binding, signed contract proving my obligation to LVNV Funding LLC. 

A certified chain of title showing all ownership transfers. 

A purchase and sale agreement proving LVNV Funding LLC legally owns the debt. 



FINAL WARNING & LEGAL CONSEQUENCES Failure to comply with this Cease and Desist Order within XXXX  days ( by XX/XX/year> ) will result in : Further escalation with the FTC, CFPB, and state regulators for consumer fraud, unfair collection practices, and financial harm. 

Legal action for FDCPA and FCRA violations, seeking statutory and punitive damages. 

A lawsuit for defamation and unlawful debt collection practices. 


This FINAL NOTICE is legally binding. Any further violation will result in immediate legal action against your company. 

YOU ARE REQUIRED TO RESPOND IN WRITING CONFIRMING COMPLIANCE WITHIN XXXX  DAYS. 

Sincerely, XXXX XXXX [ Your Address ] XXXX XXXX, NV XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief