Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XXXX Resurgent Capital Services XXXX XXXX Place XXXX XXXX XXXX XXXX, SC XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De La XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : FORMAL NOTICE OF DISPUTE, DEMAND FOR STRICT VALIDATION, DEMAND FOR DOCUMENTARY VERIFICATION, NOTICE OF FAULT, NOTICE OF PRESERVATION OF EVIDENCE, AND DEMAND FOR CEASEMENT OF REPORTING OF UNVERIFIED INFORMATION TO WHOM IT MAY CONCERN : PLEASE TAKE NOTICE that I dispute the alleged debt referenced above in its entirety, including but not limited to the alleged balance, legal enforceability, ownership interest, character, payment history, chain of title, and your authority to collect and/or furnish information concerning this account to any consumer reporting agency. This correspondence constitutes : XXXX. A FORMAL NOTICE OF DISPUTE ; XXXX. A DEMAND FOR VALIDATION pursuant to 15 U.S.C. 1692g ; 3. A DEMAND FOR REASONABLE INVESTIGATION pursuant to 15 U.S.C. 1681s-2 ( b ) ; 4. A DEMAND FOR DISCLOSURE OF THE METHOD OF VERIFICATION pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) ; 5. A DEMAND FOR STRICT PROOF OF CLAIM ; 6. A DEMAND FOR PRESERVATION OF EVIDENCE ; 7. A NOTICE OF POTENTIAL LITIGATION. You are hereby placed on formal notice that this alleged account is disputed as inaccurate, incomplete, misleading, and unverified. You are further notified that any continued collection activity or continued furnishing of information absent competent documentary verification may constitute negligent and/or willful noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and applicable state consumer protection statutes. Accordingly, you are hereby demanded to produce ALL of the following documents and information WITHOUT OMISSION, REDACTION, QUALIFICATION, OR SUBSTITUTE SUMMARIES : -- - # # I. PROOF OF CONTRACTUAL LIABILITY XXXX. The XXXX executed contract bearing my wet-ink signature creating the alleged obligation ; XXXX. The XXXX signed application allegedly submitted by me ; XXXX. The complete original cardholder agreement, loan agreement, promissory note, or contract governing the alleged account ; XXXX. All amendments, riders, modifications, change-in-terms notices, arbitration provisions, and assignments related to the alleged obligation ; XXXX. Proof that consideration was exchanged between the original creditor and myself sufficient to create an enforceable contract under applicable law ; XXXX. Proof of mutual assent and lawful acceptance creating contractual privity ; XXXX. Proof that the alleged agreement complies with applicable Truth in Lending Act disclosures pursuant to 15 U.S.C. 1601 et seq. ; 8. The complete account-level transactional history from inception through alleged charge-off. -- - # # XXXX. STRICT PROOF OF OWNERSHIP AND STANDING XXXX. A complete chain of title establishing lawful ownership of this specific alleged account ; XXXX. The Bill of Sale evidencing transfer of this account from the original creditor ; XXXX. The Purchase and Sale Agreement governing the transfer ; XXXX. All schedules, exhibits, electronic records, and attachments specifically identifying my alleged account ; XXXX. Every assignment, transfer, endorsement, or conveyance relating to this alleged account ; XXXX. Proof that your company acquired lawful ownership rights rather than merely collection servicing rights ; XXXX. Identification of every prior owner, assignee, servicer, debt purchaser, custodian, or collection entity associated with this alleged account ; XXXX. Proof your company possesses standing sufficient to enforce the alleged obligation in a court of competent jurisdiction. -- - # # XXXX. ACCOUNTING AND BALANCE VERIFICATION XXXX. A complete itemized accounting ledger from account inception through present ; XXXX. Identification and calculation of every fee, penalty, interest charge, late fee, collection fee, or adjustment added to the alleged balance ; XXXX. Documentation establishing how the alleged balance was calculated ; XXXX. Proof the amount claimed is mathematically accurate and legally collectible ; XXXX. Documentation showing the date of first delinquency ; XXXX. Documentation establishing the date of charge-off ; XXXX. Documentation establishing whether the statute of limitations has expired in any jurisdiction ; XXXX. Identification of any credit insurance payments, tax write-offs, insurance reimbursements, settlements, or third-party recoveries associated with this account. -- - # # IV. CREDIT REPORTING VERIFICATION XXXX. The complete XXXX XXXX reporting history furnished to all consumer reporting agencies ; XXXX. The exact date your company first furnished information concerning this account ; XXXX. Identification of every consumer reporting agency to which information was furnished ; XXXX. Copies of all XXXX XXXX Dispute XXXX ( XXXX ) forms associated with this account ; XXXX. Copies of all XXXX XXXX associated with any investigation ; XXXX. Identification of every employee, agent, XXXX, or automated system involved in verifying the account ; XXXX. The exact method utilized to verify the disputed information ; XXXX. The specific documents reviewed during your investigation ; XXXX. Documentation establishing compliance with XXXX XXXX. XXXX ( b ) ; XXXX. Documentation establishing the reasonableness of your investigation under controlling FCRA standards. -- - # # V. COLLECTION AUTHORITY AND COMPLIANCE XXXX. Proof your company is licensed and authorized to collect debts in my state, if required by law ; XXXX. Identification of the custodian of records with firsthand knowledge of this alleged account ; XXXX. The full legal name and address of the current creditor ; XXXX. The full legal name and address of the original creditor ; XXXX. Copies of XXXX XXXX, letters, notices, and collection records associated with this account ; XXXX. Copies of all call recordings and collection notes ; XXXX. Copies of all correspondence transmitted to any third party regarding this alleged debt. -- - # # VI. PRESERVATION OF EVIDENCE DEMAND You are hereby instructed to preserve ALL evidence related to this matter, including but not limited to : * electronic records ; * XXXX; * collection notes; * internal account logs; * audio recordings; * account histories; * reporting records; * e-OSCAR transmissions; * ACDV records; * screenshots; * payment histories; * assignment records; * communications; * databases ; * XXXX materials; * litigation files. XXXX, alteration, suppression, concealment, or modification of evidence after receipt of this notice XXXX give rise to adverse evidentiary inferences and additional causes of action. -- - # # XXXX. NOTICE OF DISPUTE AND DEMAND TO CEASE REPORTING Because this account is disputed and remains unverified, you are hereby instructed to immediately cease furnishing incomplete, misleading, inaccurate, or unverified information to any consumer reporting agency pending completion of a lawful and reasonable investigation. Failure to conduct a reasonable investigation after receipt of direct notice of dispute may constitute violations of : * 15 U.S.C. 1681s-2 ( b ) ; * 15 U.S.C. 1681e ( b ) ; * 15 U.S.C. 1692e ; * 15 U.S.C. 1692f ; * and other applicable state and federal statutes. Please further note that data printouts, spreadsheets, account summaries, screenshots, generic affidavits, conclusory statements, or documents lacking evidentiary foundation do NOT constitute competent validation or proof of claim. Nothing in this correspondence shall be construed as : * an acknowledgment of liability ; * an admission of ownership ; * a waiver of rights ; * a promise to pay ; * or consent to jurisdiction. This correspondence is sent under explicit reservation of all rights and remedies. You are hereby granted XXXX ( XXXX ) days from receipt of this notice to fully comply. Failure to comply may result in : * additional regulatory complaints; * claims for negligent or willful noncompliance; * claims for defamation of credit ; * claims for inaccurate furnishing; * claims under the FDCPA and FCRA ; * and pursuit of all available remedies in law and equity. WITHOUT PREJUDICE ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief