Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Email : XXXX Date : XX/XX/XXXX To : Compliance Department Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Response to LVNV Funding LLC Account Inquiry and Validation Request Account Number : XXXX CFPB Case # : XXXX Original Creditor : XXXX XXXX XXXX XXXX : LVNV Funding LLC Reference Number : XXXX Dear Compliance Department XXXX This letter serves as a formal response to your correspondence dated XX/XX/XXXX, regarding the referenced account. While your response has addressed some concerns, I believe further clarification and validation are required to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 

Key Issues Requiring Clarification Validation of Debt While your response asserts that LVNV Funding LLC acquired this account on XX/XX/XXXX, I have yet to receive sufficient documentation proving the legitimacy of this debt. Specifically, I request the following : Proof of Ownership : Provide the transfer or sale agreement demonstrating LVNV Funding LLCs acquisition of this debt from XXXXXXXX XXXX 
Original Contract Agreement : A copy of the original signed contract that establishes my obligation to pay the alleged amount of {$1600.00}. 
Payment History and Calculation I request a full breakdown of how the current balance was calculated, including : Any interest, fees, or charges added to the original balance. 
A detailed history of all payments made ( or missed ) on this account, from its opening to its charge-off date. 
Reporting Accuracy You claim the account is being accurately reported to credit bureaus, but you have not provided documentation to substantiate this claim.

Provide evidence showing how the account is being reported as disputed, including the exact reporting language used.

Cease Communications Statement While your letter states that Resurgent has ceased communications per my request, I still require clarification on what specific restrictions have been placed on this account and whether these restrictions apply to all third-party collection agencies. 
Formal Demands for Immediate Action Cease all reporting and collection activities until proper validation has been provided. 
Provide all requested documentation, including original agreements, proof of ownership, and detailed payment history, within XXXX business days. 
Confirm in writing that all collection and reporting activities have been paused pending validation. 
Notice of Consequences for Non-Compliance Failure to provide the requested documentation or to act in accordance with federal law will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue additional remedies under 15 U.S.C. 1681n for damages resulting from any non-compliant actions. 

This letter serves as a formal dispute of the debt and a demand for full validation. Please direct all further correspondence regarding this matter to the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation