ADR Services

October 18, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,Dear MsR***: This letter is in response to your correspondence received October 12, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $2,Please review the following account information: This account originated on May 30, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on April 27, This account charged off on December 5, with a balance of $2,No payments have been received on this account since Resurgent started servicing it in January LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is June 3, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March The enclosed letter containing verification of was mailed to Mr [redacted] on August 21, in response to his August 16, correspondenceAdditionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Resurgent mailed Mr [redacted] the enclosed letter dated September 26, in response to his August 27, correspondence since verification of debt was previously provided to him on August 21, If, after reviewing the above-referenced information, Mr [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Mr [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Please see the attached response.May 6, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Original Creditor: [redacted] *** (formerly known as “ [redacted] [redacted] ”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,Dear [redacted] This letter is in response to your correspondence dated May 6, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about June 7, As of the date of this communication, the account balance is $6,Please review the following account information: This account originated on February 16, 2009, with [redacted] *** This account charged off on October 26, 2009, with a balance of $2,No payments have been received on this account since Resurgent started servicing it in June Enclosed for your review are the Loan Agreement and Disclosure Statement, Itemization of Amount Financed, Arbitration Agreement and Waiver of Jury Trial and Application for LoanAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedAdditionally, we are unable to alter the credit bureau reporting of another creditor [redacted] should contact the respective consumer reporting agencies regarding information she believes is being reported in errorResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesThe validation notice was mailed to you on June 20, Resurgent did not provide verification of debt in response to your October 21, 2014, request due to the fact that your letter requested that we cease contact with youAccordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from ResurgentEnclosed are copies of these letters for your reviewIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Corporation & [redacted] I Original Creditor: [redacted] Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,Dear Ms [redacted] : This letter is in response to your correspondence dated February 2, regarding the above-referenced account [redacted] LLC ("***") owns the account number ending in ***, having acquired it on November 24, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***As of the date of this communication, the account balance is $6,Please review the following account information: This account originated on August 1, [redacted] The last payment in the amount of $was received on May 6, This account charged off on October 15, with a balance of $6,No payments have been received on this account since Resurgent started servicing it in November All ownership rights in this account were transferred to [redacted] when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of ***Previous creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the *** tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedMs [redacted] states that Resurgent failed to provide her with validation of the debt, and that we did not respond to her requests within a timely mannerPlease note that the Fair Debt Collection Practices Act (“FDCPA”) does not contain any rule requiring that such responses be provided within a specific timeframeMs [redacted] was provided with validation of debt on March 11, and June 6, Enclosed please find our most recent letter dated June 6, This account has been properly verified as required by the FDCPAIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] Attn: Compliance P.OBox *** [redacted] , SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see Resurgent's attached response to the referenced complaint.October 8, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] LLC Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated October 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] LLC on or about September 18, This account originated on October 1, with [redacted] and was opened with [redacted] ***, LLCNo payments have been received on this account since Resurgent started servicing it in September All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisition [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accountWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services LP

January 31, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by [redacted] dated January 26, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVThe consumer reporting agencies’ reporting guidelines define a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owedTherefore, the term is accurate in this situation and the account is being reported correctly according to that definition [redacted] Bank, N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itIn accordance with the Fair Debt Collection Act, the letter containing the validation notice was mailed to Mr [redacted] ’ last known address, which was provided by ***, LLC upon LVNV’s acquisition of the accountBased on information contained in our account records, the tradeline for this account should not be deleted; however, it is being reported as disputed to the three major consumer reporting agenciesIt will continue to report as such for the remaining reporting period unless new facts require a changeIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 11, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated August 7, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in [redacted] Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV [redacted] ***charged off this debt and sold the accountIt is likely that [redacted] believes that the “charge-off” means that the debt is satisfied; however, this is not the caseCharge-off is an accounting requirement which means that an account has been recognized as unlikely to repay and no longer considered an asset to the original creditorIt does not affect the debtor’s responsibility for the account debtAfter charge-off, an account remains collectible, and if sold, the current owner has the right to collectAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Due to the approaching expiration of the legal reporting period for the account, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies during our next reporting cyclePlease allow to days for this update to occurAdditionally, we encourage *** [redacted] to contact the consumer reporting agencies if he has additional questions regarding credit reportingRegarding [redacted] concerns about the notice of a negative credit report item, the notice is not required to be sent via certified mailIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,Dear [redacted] This letter is in response to your correspondence dated July 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ("***") on or about August 30, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on January 23, with [redacted] *** This account charged off on April 27, with a balance of $1,The last payment was received on September 23, No payments have been received on this account since Resurgent started servicing it in August Enclosed is an account summary that includes additional account informationAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Due to the approaching expiration of the reporting period for the account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesHowever, receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced accountEnclosed is the letter Resurgent mailed [redacted] on September 15, in compliance with Fair Debt Collection Practices Act (“FDCPA”) requirements [redacted] ***’ July 21, inquiry contains language Resurgent has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] *** [redacted] ***concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

I have sent LVNV Funding L.L.Cmultiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amountThe only thing LVNV Funding has sent me in the past twelve months is an itemized document without providing any proof, bearing my signatureAs per FTC opinion letter from Attorney John [redacted] , you should be aware that a printout of a bill or itemized document does not constitute verificationI have never done business with LVNV Funding LLC, never signed a contract, nor do I owe them any moneyLVNV Funding has not complied with FCRA 623(a)(3), or section 603(p), and has not complied with the Fair Debt Collection Practices Act Section 807(8) by not placing the disclosure within the required day period

Please see Resurgent's attached response to the referenced complaint.November 25, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] , IncOriginal Creditor: [redacted] , IncCurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated November 23, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] , Incon or about May 16, Please review the following account information: This account originated on April 24, with [redacted] , IncThis account charged off on April 6, No payments have been received on this account since Resurgent started servicing it in May All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accountAdditionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services LP

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaintThis response does not resolve my disputeI am asking for very specific documentation from Resurgent Capital Services representing LVNV Funding LLCThey claim that they have ownership rights to an account and that I have a contractual obligation to pay them $2,I have never done any business with Resurgent Capital or LVNV FundingThey have never extended me any credit nor have I purchased any products or services from themIn order to resolve this dispute I am requesting the following:1) A signed contract between myself and LVNV Funding or Resurgent Capital Services or any other type of agreement between myself and their company2) A copy of the purchase and sale agreement that shows details of their purchase of the account from [redacted] *** Bank detailing purchase price, terms and agreements, dates of purchase3) A complete detailed account history of how the balance was calculated totaling $2,241.654) Detailed listing of all items purchased from beginning to end of the account5) The original signed application applying for creditYou can understand my position as a consumerI do not know this company and I received a letter out of the blue stating that I owe them moneyIf they are truly the account owner, we have a contractual business arrangement, and we have done business together they should be able to provide this documentationI understand that as a consumer in order to have a contractual obligation to a person or entity there has to be an offer and an acceptanceThis is additional formal notice that I have not accepted any offers from Resurgent Capital or LVNV Funding and I have no formal business arrangements with themIf I have made some error in oversight and there is a formal business arrangement with their company I would be glad to speak with them to resolve itIf not, I ask respectfully that they remove this information from my credit report Regards, [redacted] ***

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 20, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated November 19, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVRegarding [redacted] ***’ concern that she did not receive Resurgent’s letter dated August 13, 2015, which included verification of the debt, our records indicate the letter was mailed to the same address [redacted] *** provided in her Revdex.com inquiry dated November 9, After further review, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accountCurrently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”)We apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Collector's statement of this being the first contact is inaccurate This is a case of he said/she said and I require actual documentation as I am legally entitled to Specifically I need the following documentation in order to determine whether this is a legitimate debt owed by me: Copy of credit application signed by me Provide a copy of the executed contract with Capital One setting forth the terms I am alleged to have agreed to in connection with the card at the beginningProvide a copy of modification to those terms agreed to by meProduce a copy of all statements from the beginning of time to presentProduce detail regarding alleged charges by amount, type, and dateProduce evidence of all statements received Regards, [redacted] ***

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 20, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] , [redacted] Dear [redacted] This letter is in response to your correspondence dated April 13, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on December 22, with [redacted] and was opened with [redacted] ***This account charged off on April 30, This account was purchased from [redacted] on May 19, The last payment in the amount of $was received on June 7, The current balance of this account is $5,Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on December 27, with [redacted] and was opened with [redacted] ***This account charged off on October 20, with a balance of $This account was purchased from [redacted] on October 27, The last payment in the amount of $was received on April 2, No payments have been received on this account since Resurgent started servicing it in October The current balance of this account is $1,All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of saleResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausIn accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agenciesThey will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] ***'s letter asserts that LVNV “re-ages” accountsWe believe he means the life of the debts have been extended for credit bureau reporting purposes by manipulating data, which is incorrectIt is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit reportThis is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for account number ending in [redacted] is October 30, The tradeline will be deleted on or before July 30, The “Date of First Delinquency” for account number ending in is April 20, The tradeline will be deleted on or before January 20, For account number [redacted] , reference number [redacted] , a judgment was obtained July 19, in the State of [redacted] 18th District Court Judicial Circuit, [redacted] (“Court”) with case number [redacted] Our records indicate that [redacted] was served the summons and complaint on May 28, Enclosed is a copy of the proof of service and judgment for [redacted] *** [redacted] reviewWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the informationIn his complaint, [redacted] claims “that over the years they have be taking part of our tax returns and the amount owed never goes down.” Judgment was entered by default on July 19, in the amount of $4,plus accrued interest of $at a rate of 13% APROn June 30, 2012, the interest rate was reduced to 1.87%, and has changed every months to coincide with the floating [redacted] statutory rateOn September 19, 2012, $was collected via a State of [redacted] Income Tax Refund garnishmentOne June 7, 2013, $was collected via a State of [redacted] Income Tax Refund garnishmentBoth garnishments are reflected in the account balance as of this communicationEnclosed is a copy of the Request and Writ for Garnishment (Periodic) and Garnishment Release documents on file for this accountIn his complaint, [redacted] claims attempts have been made to “seize property.” On March 4, 2015, the Court issued a Request and Order to Seize property at our servicer’s directionOn March 20, 2015, Court Officer [redacted] began work on the Order to Seize property by contacting our servicer regarding the [redacted] Ford F-On April 4, 2015, Court Officer [redacted] determined that the Ford F-belonged to [redacted] father, who has the same nameEnclosed is a copy of the Request and Order to Seize PropertyRegarding [redacted] ***’s claim regarding a payment of $500.00, our servicer advised they are unaware if Court Officer [redacted] collected $as they have not received his collection report to dateFor account number [redacted] , reference number [redacted] , we have reached out to [redacted] ( [redacted] ), [redacted] in order to verify [redacted] ***’s claim the account was paid prior to LVNV purchaseIf we receive confirmation the account was paid, we will forward the information upon receiptAdditionally, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***, ***s [redacted] ***, [redacted] ***, [redacted] and/or [redacted] (***) concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosures

February 1, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by [redacted] dated January 29, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVWe have confirmed with [redacted] Financial, our third-party servicer, that they did not speak with [redacted] regarding this accountTherefore, we respectfully disagree with [redacted] [redacted] ’s claims that [redacted] Financial promised to delete the LVNV tradeline in exchange for satisfaction of the accountIf [redacted] would like to discuss payment options, they may contact Customer Service at the number belowAs stated in our previous response, Resurgent does not accept payment in exchange for tradeline deletionIf [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P

Please see the attached response.July 6, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,Dear [redacted] : This letter is in response to your correspondence dated July 2, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about October 31, As of the date of this communication, the account balance is $3,Please review the following account information: This account originated on May 10, 2006, with [redacted] ***and was opened with *** [redacted] *** This account charged off on April 28, The last payment in the amount of $was received on April 2, No payments have been received on this account since Resurgent started servicing it in October All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesA judgment was obtained October 20, 2009, in the State Court of [redacted] County, [redacted] with case number [redacted] Our records indicate that [redacted] was personally served with a copy of the action and summons on July 14, Enclosed is a copy of the judgment and the Marshal/Sheriff’s Entry of Service for [redacted] reviewWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information [redacted] complaint states that he has been sent fake court documents with no seal or signaturePlease note that the judgment with case number [redacted] is not a fake court document and is enforceableAdditionally, the correspondence [redacted] submitted on July 2, contains language we have interpreted as a request to cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***, [redacted] ** [redacted] ***and/or [redacted] ***concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see the attached response.December 4, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Numbers: [redacted] Dear [redacted] : This letter is in response to your correspondence dated December 3, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the account number ending in [redacted] and [redacted] LLC (“***”) owns the account number ending in [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV and ***Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***, *** This account originated on February 8, 2007, with [redacted] ***, [redacted] and was opened with [redacted] This account charged off on December 31, 2008, with a balance of $1,This account was purchased from [redacted] ***, [redacted] on May 25, No payments have been received on this account since Resurgent started servicing it in May Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ( [redacted] ), *** This account originated on May 6, 2005, with [redacted] ( [redacted] ), [redacted] and was opened with [redacted] This account charged off on August 12, 2008, with a balance of $2,This account was purchased from [redacted] ( [redacted] ), [redacted] on December 28, The last payment in the amount of $was received on January 14, No payments have been received on this account since Resurgent started servicing it in December All ownership rights were transferred to LVNV and [redacted] when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV and [redacted] are not reporting these accounts to the major consumer reporting agenciesAfter reviewing the calls, ** [redacted] and her realtor, [redacted] , have called Resurgent multiple times and were informed that a fax would be sent to them with the payoff amounts of $and $1,for account numbers ending in [redacted] and ***, respectivelyHowever, a reason Resurgent did not send the fax to ** [redacted] and ** [redacted] was because Resurgent was waiting to receive a copy of the recorded judgment from the [redacted] County Civil Court, **At no time did Resurgent state that the accounts did not belong to us; however, when ** [redacted] contacted our Customer Service department, she was informed that we would have to transfer her to our Bankruptcy department as the accounts are not in the Customer Service systemWe apologize for that miscommunication and any inconvenience ** [redacted] and ** [redacted] may have experiencedThe account numbers ending in [redacted] and [redacted] were included in a Chapter Bankruptcy filed on November 18, 2010, with case number [redacted] and subsequently discharged on February 25, Please note that account number ending in [redacted] does not have a judgment or lien attached to ** [redacted] ** [redacted] ’s personal liability for this account has been dischargedAs ** [redacted] has no personal liability for account number ending in [redacted] and there are no outstanding judgments and/or liens attached to ** [redacted] regarding account number ending in ***, account number ending in [redacted] has been closedIn regards to account number ending in ***, a judgment was obtained by the original creditor on August 11, 2010, in [redacted] County Civil Court, [redacted] with case number [redacted] Enclosed is a copy of the judgmentWe appreciate ** [redacted] ’s willingness to satisfy this judgment and therefore would like to offer to satisfy this judgment in the amount of $1,As a courtesy, the amount to satisfy this judgment has been lowered due to ** [redacted] ’s inconvenience experiencedPayments may be mailed to the following address or ** [redacted] may contact Customer Service at [redacted] to make payments by phoneIf mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to these accountsResurgent Capital Services L.P [redacted] *** Greenville, SC If the payment is not received by January 31, 2015, this agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous arrangements have been madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Please see Resurgent's attached response to the referenced complaint.December 29, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated December 22, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAfter investigating the account, Resurgent has made the business decision to close the accountAdditionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies (also known as “credit bureaus”) during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

Please see Resurgent's attached response to the referenced complaint.June 22, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] ***(formerly known as “ [redacted] [redacted] ”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] , Incon or about June 7, Please review the following account information: This account originated on January 6, with [redacted] *** This account charged off on November 30, with a balance of $The last payment in the amount of $was received on April 29, No payments have been received on this account since Resurgent started servicing it in June All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesA judgment was obtained January 25, in Magistrate Court, [redacted] County [redacted] [redacted] with case number [redacted] We are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend that he/she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the informationWe have verified this account was paid in full for less than the full balance on April 29, for $The status of the account was updated to “Satisfied in Full” on April 29, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountA request to release the judgment has been submitted to our servicing law firm and should be filed with the court no later than June 29, If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services LP