Consumer complaint received 2024-04-10 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: OH

Complaint narrative:
I have previously filed a complaint with LVNV FUNDING LLC ; I requested multiple pieces of evidence to support this item, but it still has been unprovided to support their claim. As well taking illegal practices to collect and communicate. LVNV FUNDING LLC is now using RESURGENT CAPITAL SERVICES to collect debt when they are not reported onto my consumer report.

1. As I review my credit report, I see the inconsistency and inaccuracies. LVNV FUNDING LLC happens to be reporting this item to only one Bureau 's ( XXXX ) instead of being accurate and consistent, reporting the exact same information to all three. The compliance standard for the validity of this item to be reported is compromised, due to the proof of NOT reporting in XXXX XXXX compliance with all three bureau 's every reporting cycle. 

2. I am requesting the PURCHASE agreement between LVNV FUNDING LLC and XXXX XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows LVNV FUNDING LLC to now personally purchase this account with the knowledge, granting permission to NOW report this item to my personal consumer report. As well, this contract between XXXX XXXX XXXX XXXX XXXX and LVNV FUNDING LLC, will state LVNV FUNDING LLC purchased the debt with the risk of not being 100 % accurate, as well NOT having my personal consent to personally purchase the account. As well, I would like to see the amount this account was purchased for, avg debt collector pays XXXX cent to the dollar. Due to the amount they are demanding I pay, or claim I owe exceeds than they paid for the debt. 

3. A copy of CERTIFIED MAIL receipt. I am unaware of this debt ; I did not properly have the opportunity to dispute this information. LVNV FUNDING LLC took improper procedures by not giving me the opportunity to properly address this item being reported on my personal consumer report. If in fact, if LVNV FUNDING LLC believe they have provided proper notification. Provide a copy of certified mail 5-7 days prior of the item being reported WITH my personal signature in agreeance. If you can not provide this information, please remove this item from my credit report. 

4. Copies of the carbon copy piece of mail from the previous 12 months. The CDIA states that every reporting cycle ; data furnisher and debt collectors MUST follow the XXXX XXXX compliance standard every reporting cycle that has been in place since 1997. If you can NOT provide copies of carbon pieces of mail for the previous 12 months of reporting this item from LVNV FUNDING LLC and XXXX XXXX XXXX XXXX XXXX, who BOTH must report in XXXX XXXX Compliance every reporting cycle. The FCRA states that if you are unable to provide evidence, you must remove this item from my personal consumer report because it now threatens the compliance standard of the whole industry. 

5. The details of information, which must be sent every reporting cycle to meet the compliance standard put in place by the CDIA. I am requesting LVNV FUNDING LLC provide the following details : employees name, employee ID, company address, phone number with ext., as well as the logged time and dates of communication between LVNV FUNDING LLC and XXXX XXXX XXXX XXXX XXXX. Finally, if there was a phone conversation, which is always recorded, please provide the transcript of this conversation. If you are unable to provide this information within 15 days, I will assume this item now compromises the integrity for this item to be reported on to my personal consumer report.

Company response to consumer: Closed with explanation