Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ] XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Dear LVNV FUNDING LLC, I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with XXXX and XXXX. I do not owe any debt to your agency, nor have I entered into any binding contract with you. As such, you have no legal grounds to continue your collection efforts. Therefore, delete this from my credit report immediately! 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all communication with me regarding this account. This includes, but is not limited to, phone calls, written correspondence, emails, and any other form of communication intended to collect on this alleged debt.

Additionally, I dispute the validity of the debt, as I never signed a binding contract with your agency, nor do I owe any money to you or the origina
l creditor. Therefore, I am requesting that you provide proof of the transaction in which you purchased this alleged debt. Specifically, I request the following information : 1. The company from which you purchased the debt.

2. The date you purchased the debt.

3. The amount the debt was purchased for.

4. The date the account was opened.

5. The date the account was closed.

6. The date of the charge-off.

7. The date of the last payment made on the account.

8. The specific private information of mine that you purchased as part of this debt.

9. Balance of debt before 
interest accruement.

Furthermore, I am requesting debt validation as provided by 15 U.S.C. 1692g of the FDCPA. You are required by law to validate this debt and provide proof that I am legally obligated to pay it. Please provide full documentation proving the legitimacy of this alleged debt, including any original contracts or agreements related to this debt.

As you are aware, under 15 U.S.C. 1681b ( 2 ), and in accordance with the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information on my credit report. The continued reporting of inaccurate or unverified information by your agency is a violation of the FCRA, and I demand that any inaccurate information be removed immediately. Additionally, I have a right to privacy under 5 U.S.C. 552a ( the Privacy Act of 1974 ), which limits the disclosure of my personal information without my consent.

Please take notice that you have 15 days from the receipt of this letter to respond to this cease and desist request, provide the requested proof of the transaction, and validate the alleged debt. Failure to comply with this request will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate authorities, as well as pursuing legal action for any violations of my rights under the FDCPA and FCRA. 
As a result of the aforementioned violations, I am requesting the immediate removal of the incorrect collection account from my credit report. Additionally, I am requesting compensation for each violation, as authorized under the FCRA. I am entitled to a payment of {$1000.00} per violation for each of the aforementioned violations. Therefore, I am requesting a payment of {$1000.00} for each violation found in the reporting of these accounts by LVNV FUNDING LLC. 
If you continue to pursue this matter or fail to comply with my request for debt validation, I will take all necessary legal actions to protect my rights and seek damages as provided by law. 
Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and confirmation that all collection activities have ceased. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief