Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
After checking my credit reports as I do weekly. I was notified of a score decrease and a collection account added to my credit profile. This LVNV alleged account was placed on my credit bureau files on XX/XX/XXXX with claims of account being opened with LVNV on XX/XX/XXXX, listing LVNV as original creditor, with a balance of {$360.00}, open account status and all of which is false information. 

I as a consumer was stripped of my rights under federal law designed to protect me as a consumer. LVNV acted negligently and with intentional and willful disregard for FCRA, a federal law. I was never notified by LVNV or any of its affiliates regarding the alleged debt which is in direct violation of FCRA. These actions have caused me extreme harm and with further malicious intent they also reported the debt to my business credit causing my score to go from an A to an F. 

LVNV 1006.34 Notice for validation of debts.

Regulation F 1006.34 ( b ) ( 2 ) ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( 1 ) In general.

( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

( 2 ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( 1 ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( 1 ) ( i ) ( B ) of this section would require the validation notice to be sent.

( b ) Definitions. For purposes of this section : ( 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. 

( XXXX ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by : Official interpretation of XXXX ( b ) ( XXXX ) Initial communication. 

( i ) The Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ) ; ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) ; As a consumer protected by Federal Law I am requesting a full investigation into the unfair and fraudulent practices used by LVNV to collect a debt that I was never notified of nor was the debt validated. And with malicious intent, negligent and illegal tactics and with reckless disregard for the Federal Laws as well as myself the consumer, reported this account to the credit bureaus as well as my business credit bureaus to force me to pay this debt to restore my credit rating with XXXX XXXX and XXXX. 

Ive contacted LVNV as well as Resurgent the collection agency for LVNV with the intention of rectifying the situation and correcting the error in order to have this account removed from my credit profiles not to exclude my business credit profile. I was passed around from phone number to phone number and person to person without success. I was hung up on ( illegal ), spoken to in a very reckless manner ( illegal ), and told by some woman who of course refused her name. Whether I claim the debt or not the account will not be removed unless I pay it. Forcing me to feel threatened, bullied and unprotected. I am a single mother of five with a very ill daughter. Because of this new collection I can't even get care credit to help with her medical care and bills. This blatant disregard for Federal Law and negligent behavior with malicious intent to cause harm to collect an alleged debt for {$360.00} can prove fatal for my daughter.

I am entitled to Evidence of ownership and I never received it nor was I given the opportunity to request these documents due to failure on behalf of LVNV to properly notify me.

I never signed a contract with LVNV or Resurgent ; a legally binding contract requires 2 parties in agreement. I never signed a contract with LVNV. There was no mutual assent, there was no exchange of anything of value, no written or oral agreement. 
XXXX. LVNV never provided me with Terms of the alleged agreement, Balance information, Breach of Contract notification, and proof that LVNV is the direct owner of alleged account and are in possession of a contractual agreement between myself and LVNV fully executed containing my signature and a spreadsheet of XXXX accounts will not suffice. 
In the event the alleged account with LVNV is claimed to be a transfer. I want evidence of the transfer. I was never provided the opportunity to request this information. 

I am entitled to a full chain of title containing a complete documented history of the alleged debt ownership from the original alleged creditor to the current alleged owner. I was never provided the opportunity. 
XXXX  The chain of ownership I am requesting must be COMPLETE, without one missing link.

I am entitled to a Full Chain of Transfer Original Credit Agreement Each assignment agreement Bill of Sale XXXX A complete bill of sale listing the alleged account that is solely listing my alleged individual account complete with detailed information, a specific account ID, clear contractual sale documents identifying the purchase of my alleged debt alone ( no spreadsheets or bill of sale with XXXX accounts ), and an unbroken chain of ownership. 

I am as a consumer, still am a consumer and will forever be as a consumer protected under Federal Law entitled to everything aforementioned in this complaint and I was never contacted, validated or provided the opportunity as a consumer to protect myself from these corporations attempts to destroy my life for a few dollars using threatening, negligent, malicious, egregious and illegal behavior that causes anxiety, instills fear and impacts the ability of working class families to sustain themselves. 

LVNVs illegal practices and procedures are just another practice of totalitarianism ( just masked as business practices ). They dictate, threaten, bully and use tactics to render you subservient in order to profit. 

LVNV has caused my family extreme hardship, anxiety and stress causing my daughter to be put on XXXX. If I am forced to seek monetary compensation. I will. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief