Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Dispute of Incomplete Validation & Demand for Evidence Resurgent Reference XXXX XXXX XXXX  Alleged Original Creditor : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am reporting these actions by LVNV Funding LLC in good faith. The conduct describedspecifically, reporting this account to consumer reporting agencies without first providing the required validation notice or obtaining verification of the debtappears to violate the Consumer Financial Protection Bureau 's ( CFPB ) regulation 12 C.F.R. 1006.34 ( Validation of debts ). 

This conduct may also constitute violations of the Fair Debt Collection Practices Act ( FDCPA ). I reserve my right to seek all available legal remedies for these violations, including civil liability for actual damages, statutory damages, and costs and attorneys fees as provided by 15 U.S.C. 1692k. 

This letter is a formal dispute and a follow-up to your inadequate response dated XX/XX/XXXX, to my previous debt validation request. Your submission, consisting of an internally generated " Account Summary, '' fails to meet the legal standards for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Demand for Complete Validation & Explanation of Relationship : Your recent letter confirms that XXXX XXXX XXXX is the " current servicer '' and that Resurgent " manages '' the account for LVNV Funding LLC. This multi-entity collection scheme has violated my rights under the FDCPA. 

XXXX. The initial communication regarding this debt came from XXXX XXXX XXXX. However, XXXX failed to provide the legally required validation notice as mandated by 15 U.S.C. 1692g, which must include the name of the current creditor owner ( LVNV Funding LLC ). 

XXXX. Your subsequent " validation '' is wholly inadequate. You have failed to provide : - The complete chain of title, specifically the assignment from XXXX to XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and from XXXX XXXX to LVNV. 
- The underlying cardmember agreement. 
- An itemized accounting from a XXXX balance. 

I dispute this alleged debt in its entirety. Your documentation is materially deficient and, based on my knowledge, contains a significant misrepresentation regarding the chain of title. 

XXXX. Material Omission in the Chain of Title : Your " Account Summary '' falsely represents that LVNV Funding LLC acquired this account from the " Original Creditor, '' XXXX XXXX XXXX XXXXXXXX, on or about XX/XX/XXXX. This is incorrect. This specific account was sold by XXXXXXXX XXXX XXXX, XXXX. to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in or around XX/XX/XXXX. 

Therefore, your validation completely omits a crucial link in the chain of ownership. LVNV Funding LLC can not have legally acquired this account from XXXX in XX/XX/XXXX, as XXXX had already divested itself of the account over a year prior. 

XXXX. Demand for XXXX XXXX : Given this material discrepancy, your claim is invalid on its face. To even begin to validate this debt, you are now required to provide legible copies of the following documents : a. The Complete and Unbroken Chain of Title : - The Bill of Sale or Assignment Agreement from XXXXXXXX XXXX XXXXXXXX, XXXX. to XXXX XXXX XXXX XXXX ( circa XX/XX/XXXX ), which must specifically list the account number ending in XXXX and my name. 
- The Bill of Sale or Assignment Agreement from XXXX XXXX XXXX XXXX to LVNV Funding LLC ( circa XX/XX/XXXX ), which must specifically list the account number ending in XXXX and my name. 
- All intermediate assignments if the debt passed through other entities. 

XXXX The Governing Contractual Documents : - A copy of the original signed credit card application and/or the Cardmember Agreement that governed the account at its inception with XXXX and any subsequent agreements provided by XXXX XXXX. 

XXXX A Full and Itemized Accounting : - A complete transaction history from a XXXX balance to the charged-off amount of {$4600.00}, showing all charges, payments, interest, and fees, and proving the amount charged off by XXXX and subsequently XXXX by XXXX XXXX. 

Cease and Desist All Collection Activity : Your failure to properly validate this debt initially, coupled with the material misrepresentation of the chain of title, constitutes a serious violation of the FDCPA. Pursuant to 15 U.S.C. 1692g ( b ), you must immediately cease all collection activities on this account until you have provided the complete validation demanded above. This includes, but is not limited to, any reporting of this account to any consumer reporting agency. 

If you continue collection activity without providing this validation, I will not hesitate to pursue all available legal remedies, including filing complaints with the Florida Office of the Attorney General, and filing a lawsuit for violations of the FDCPA. 

XXXX XXXX XXXX  : I am reporting these actions by LVNV Funding LLC in good faith. The conduct describedspecifically, reporting this account to consumer reporting agencies without first providing the required validation notice or obtaining verification of the debtappears to violate the Consumer Financial Protection Bureau 's ( CFPB ) regulation 12 C.F.R. 1006.34 ( Validation of debts ). 

This conduct may also constitute violations of the Fair Debt Collection Practices Act ( FDCPA ). I reserve my right to seek all available legal remedies for these violations, including civil liability for actual damages, statutory damages, and costs and attorneys fees as provided by 15 U.S.C. 1692k. 

Awaiting your prompt response and the required documentation.

Company response to consumer: Closed with non-monetary relief