Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Email : XXXX Phone : XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Company Information Company Name : LVNV Funding LLC Account Number : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX Bank, XXXX. 
Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$710.00} Account Holder Name : XXXX XXXX Debt collection FDCPA violations, failure to validate debt, improper credit reporting This letter serves as formal notice that your collection letter dated XX/XX/XXXX, contains multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Your company has engaged in unlawful debt collection practices that require immediate cessation and correction.

FDCPA VIOLATIONS IDENTIFIED : 1. VIOLATION OF 15 U.S.C. 1692g - FAILURE TO PROVIDE REQUIRED DEBT VALIDATION NOTICE Your letter COMPLETELY FAILS to include the mandatory debt validation notice required under 1692g ( a ), which must contain : The amount of the debt The name of the creditor to whom the debt is owed A statement that unless disputed within 30 days, the debt will be assumed valid A statement that if disputed within 30 days, verification will be obtained A statement regarding the right to request original creditor information LEGAL CONSEQUENCE : This violation renders your collection attempt legally defective and unenforceable.

2. VIOLATION OF 15 U.S.C. 1692e - FALSE, DECEPTIVE, AND MISLEADING REPRESENTATIONS Your letter contains multiple deceptive statements : a ) FALSE CLAIM OF INVESTIGATION : You state Account level documentation has been enclosed for review. A review of the claim and account has been completed. Based upon this, we were unable to validate your claim.

VIOLATION : This is deceptive as NO supporting documentation was provided and you can not claim completion of a validation process while simultaneously stating inability to validate.

b ) VAGUE AND MISLEADING DISPUTE PROCESS : Your demand for extensive documentation ( police reports, notarized affidavits, court documents ) without providing proper validation notice violates 1692e ( 10 ).

3. VIOLATION OF 15 U.S.C. 1692f - UNFAIR PRACTICES UNREASONABLE DOCUMENTATION DEMANDS : Requiring police reports, notarized identity theft affidavits, and court documents as prerequisites for dispute resolution constitutes unfair practices designed to discourage legitimate disputes.

4. VIOLATION OF 15 U.S.C. 1692e ( 11 ) - FAILURE TO DISCLOSE DEBT COLLECTOR STATUS While you included minimal collector disclosure, the inadequate validation notice fails to properly inform consumers of their rights when dealing with a debt collector.

IMMEDIATE DEMANDS FOR COMPLIANCE 1. CEASE ALL COLLECTION ACTIVITY You must IMMEDIATELY CEASE all collection activities on this account until you comply with FDCPA requirements, including : No further phone calls No credit reporting No additional collection letters No legal action 2. PROVIDE COMPLETE DEBT VALIDATION Within 15 DAYS of receipt of this letter, provide complete validation including : a ) Account Documentation : Original signed credit agreement or application Complete account statements showing charges, payments, and fees Chain of title documentation proving your legal right to collect Assignment agreements from original creditor to your company b ) Legal Standing Documentation : Proof of license to collect debts in Louisiana ( consumers state ) Corporate authorization to conduct business in Louisiana c ) Calculation Verification : Detailed breakdown of the alleged {$710.00} balance Interest, fees, and charges computation Last payment received and account activity 3. CREDIT REPORTING COMPLIANCE If you have reported this account to credit bureaus : IMMEDIATELY DELETE all credit reporting until proper validation is provided Provide proof of deletion from all three major credit bureaus Cease any planned credit reporting activities LEGAL CONSEQUENCES FOR NON-COMPLIANCE DAMAGES UNDER FDCPA SECTION 1692k : Statutory Damages : Up to {$1000.00} per violation Actual Damages : Including credit score damage, emotional distress Attorneys Fees and Costs Prejudgment Interest ADDITIONAL LEGAL REMEDIES : Injunctive Relief to prevent future violations Class Action Potential for systematic FDCPA violations State Consumer Protection Law Violations Credit Reporting Act Violations if improperly reported

Company response to consumer: Closed with non-monetary relief