Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Validation of Debt & Cease Collection Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 

Notice of Dispute & Demand for Extreme Validation This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing the validity of the alleged debt you claim I owe in the amount of {$480.00}.

In order for you to lawfully proceed, you must provide full, complete, and extreme validation of this account, including but not limited to : Full Accounting A detailed breakdown of the alleged balance, including itemized interest, fees, charges, and payments applied to the account. 

Original Contract A copy of the signed contract, application, or agreement bearing my signature with XXXX XXXX XXXX XXXX. establishing the alleged obligation. 

Proof of Ownership Complete documentation of the legal chain of assignment and ownership from the original creditor to LVNV Funding LLC, including all transfer, sale, or assignment agreements. 

Authority to Collect in Virginia Proof that LVNV Funding LLC is licensed and authorized to collect debts within the Commonwealth of Virginia, including applicable registration numbers. 

Statements & Records Copies of all monthly statements, billing records, and account histories from the original creditor. 

Statute of Limitations Identification of the governing statute of limitations in Virginia for collecting this debt, including the applicable start date. 

Affidavit of Accuracy A sworn affidavit from a competent custodian of records attesting to the accuracy and authenticity of the above documents. 

Cease Collection & Reporting Notice Until and unless you provide all requested documentation, you are required by law to : Cease all collection activities including phone calls, letters, and third-party contacts. 

Cease reporting or furnishing information regarding this account to XXXX XXXX XXXX XXXX 

Be advised that furnishing unverified or inaccurate information to consumer reporting agencies constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

Any continued collection efforts without proper validation will be documented as evidence of noncompliance and XXXX result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. 

Potential civil action against LVNV Funding LLC for violations of federal and state consumer protection laws. 

Reservation of Rights This is not a refusal to pay but a demand for strict proof and verification. All rights are expressly reserved. I require that all communications regarding this matter be made in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief