CACH, LLC

RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank (USA), N.AOriginal Creditor: [redacted] Bank (USA), N.ACurrent Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received January 3, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on March 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, Resurgent has received and reviewed Mr [redacted] ’s January 3, disputeOur records indicate that we have already received and responded to two previous inquiries which are substantially the same as his January 3, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeOur December 18, response to Mr [redacted] ’s inquiry provided him with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAAs stated in our December 18, response, we ask that Mr [redacted] provide evidence to support his claim that this account was previously paid or satisfied in full 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, AB*** 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 I had settled with Cach LLC, and began sending them payments I just started looking for receipts tonight and found one so far along with my calendar to get them paid off I paid with money orders; and some of my paperwork was damaged in the back of my car I might have to write the money order company to get the rest of the receiptsI will check to see what I can find in the next few days I don't owe at all I'd like for my account to be wiped clean of this account Regards, [redacted] ***

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]

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]

RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank Original Creditor: [redacted] *** Bank Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated June 28, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on September 25, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, As of the date of this communication, the account balance is $Please review the following account information: This account originated on January 20, with [redacted] *** Bank and was opened with *** CreditThis account charged off on August 24, with a balance of $No payments have been received on this account since CACH acquired it on or about September 25, Enclosed is the charge off statement on file for this accountAll ownership rights in this account were transferred to CACH 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, CACH is not reporting the account to the major consumer reporting agenciesMr [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or his responsibility for the balance due on this accountReceipt of Mr [redacted] ’s Revdex.com inquiry dated June 28, is the first written communication our office has received from Mr [redacted] regarding this accountWe are providing the above referenced charge off statement as verification of the debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Mr [redacted] ’s June 28, inquiry contains language Resurgent has interpreted to mean that we cease written communication with himWhen a request to cease written communication is received by our office, Resurgent places a restriction on the account so that no further written contact is made to our customerUpon receipt of the inquiry, Resurgent notated the account to ensure that no further written documentation would be sent to the consumer in accordance with his requestIf, after reviewing the above-referenced information, Mr [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 matterIf Mr [redacted] believes that this account was previously paid or satisfied in full, 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, 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)

RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Ms [redacted] received August 31, regarding the above-referenced accountCACH, LLC (“CACH”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by CACHAs advised in our previous response, Ms [redacted] agreed to pay $per month beginning in March until a total of $5,was receivedOn March 3, 2014, Ms [redacted] paid the first payment in the amount of $as agreedOur records indicate that Ms [redacted] attempted to make payments on the account from April through June 2014, however these payments were returned and no further payments were made of the accountAs of the date of this communication, the remaining balance due is $10,Our previous response stated that Resurgent is willing to honor the settlement offer Ms [redacted] made with our third-party servicer to settle the account for $5,424.00, less payments madeIf Ms [redacted] would like to discuss payment arrangements to pay the remaining balance of $5,000.00, she may contact Customer Service at the number belowIf Ms [redacted] pays the account, a request to update the CACH tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agenciesIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P

RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank Omaha Original Creditor: [redacted] Bank Omaha Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence received July 27, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on July 15, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACHPlease review the following account information: This account originated on February 3, with [redacted] Bank OmahaThis account charged off on June 30, with a balance of $3,The last payment in the amount of $2,was received on January 4, CACH acquired all ownership rights in this account upon CACH’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, CACH is not reporting the account to the major consumer reporting agenciesWe have verified this account was settled in full on January 4, for $2,Due to an administrative error the status of the account was not updated to “Settled in Full” when Resurgent began servicing the account on or about June 15, 2017, which resulted in the letter being sent to Mr [redacted] in July The status of the account has since been updated to “Settled in Full” in our systemThe account is considered resolved in our office, and Mr [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountWe apologize for any inconvenienceIf 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

I still believe that this is a case of reportingI mailed the payment to the address on the credit reportAnd I called tooA settlement amount was negotiated previouslyNow, I just want it removed, because the information was false, and I have had some losses.Again, we settled on a total of The payments shown on my calendar were are as follows: 6/- 7/- 677/- 507/- Sincerely, [redacted] ***

RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsRigdon: This letter is in response to the additional concerns submitted by Mr [redacted] dated December 21, regarding the above-referenced accountCACH, LLC (“CACH”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by CACHResurgent has received and reviewed Mr [redacted] ’s December 21, disputeOur records indicate that we have already received and responded to a previous inquiry dated December 13, which is substantially the same as his December 21, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeOur previous response to Mr [redacted] ’s inquiry provided him with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted] Sincerely, AJ [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 Per the federal Fair Debt Collection Practices Act CACH has never provided me proof of how the debt has been calculated or demonstrated that this Debt is a valid Debt that I owe These are clear violations of the law.Please provide details about my concerns or delete this debt from my credit report If this can't be resolved this way I will have no other alternative than to seek a small claims courts judgement for damages this has on my credit.Regards, [redacted]

RE: *** ** ***; Case/File No*** Previous Creditor:
*** Bank Original Creditor: *** Bank Current Owner: CACH, LLC Account Number: *** Reference Number: *** Dear Ms***: This letter is in response to your correspondence received July 27, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on December 22, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACHPlease review the following account information: This account originated on September 19, with *** Bank and was opened with ***.com Store Card. This account charged off on February 24, with a balance of $999.84. The last payment in the amount of $was received on April 30, 2015. CACH acquired all ownership rights in this account upon CACH’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 reporting. We have verified this account was settled in full on April 30, for $Due to an administrative error the status of the account was not updated to “Settled in Full” when Resurgent began servicing the account on or about June 15, 2017, which resulted in the letter being sent to Mr*** on or about July 19, The status of the account has since been updated to “Settled in Full” in our systemAs a courtesy, a request to delete the CACH tradeline for this account will be submitted to the three major credit reporting agenciesPlease allow to days for this update to occurThe account is considered resolved in our office, and Mr*** should not be contacted by Resurgent or any affiliate companies regarding this account. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. I had settled with Cach LLC, and began sending them payments. I just started looking for receipts tonight and
found one so far along with my calendar to get them paid off. I paid with money orders; and some of my paperwork was damaged in the back of my car. I might have to write the money order company to get the rest of the receiptsI will check to see what I can find in the next few days. I don't owe at all. I'd like for my account to be wiped clean of this account
Regards,
*** ***

RE: *** *** ***; Case/File No*** Previous Creditor: ** *** Issuance Trust 2010-1 Original Creditor: ***, Inc. Current Owner: CACH, LLC Account Number: *** Reference Number: *** Current Balance: $10,392.51 Dear Ms
***: This letter is in response to your correspondence received August 21, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on May 16, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, As of the date of this communication, the account balance is $10,Please review the following account information: This account originated on May 5, with ***, Inc(“***”) and was opened with ** *** Issuance Trust 2010-1. This account charged off on April 28, with a balance of $10,844.51. The last payment in the amount of $was received on March 3, 2014. CACH acquired all ownership rights in this account upon CACH’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 CACH. The multiple electronic disputes that Ms*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the CACH 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. *** 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 it. Ms***’s letter asserts that CACH “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect 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 consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is October 31, A request to delete the CACH tradeline will be submitted to the consumer reporting agencies in July 2018. Resurgent, as servicer for CACH, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by CACHWe recognize that Ms*** previously reached a settlement agreement with our third-party servicer to satisfy the account for $5,Ms*** agreed to pay $per month beginning in March until a total of $5,was receivedOn March 3, 2014, Ms*** paid the first payment in the amount of $as agreedOur records indicate that Ms*** attempted to make payments on the account from April through June 2014, however these payments were returned for insufficient funds and no further payments were made of the accountMs***’s March 3, payment in the amount of $has been forwarded to our office and applied towards the total remaining balanceAs of the date of this communication, the remaining balance due is $10,392.51. We appreciate Ms***’s willingness to pay this account and therefore would like to honor the settlement offer she made with our third-party servicer to satisfy the amount for $5,The reaming unpaid balance of $5,may be broken into two monthly payments in the amount of $2,Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the CACH tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agenciesPlease be advised that Resurgent does not accept payment in exchange for tradeline deletionAll accounts that are eligible for reporting are reported accurately to the three major credit reporting agencies. Payments may be mailed to the following address or Ms*** you may contact Customer Service at 888-*** 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 the account. Resurgent Capital Services L.P. P.OBox *** Greenville, SC 29603 If payment is not received by the 15th of each month, starting September 2017, this account may be placed for further collections, and this payment agreement may be re-evaluatedWe are not obligated to renew this offer. It 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 payment arrangements have been made. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P

RE: *** ***; Case/File No*** Previous Creditor:
*** *** Bank (USA), N.A. Original Creditor: *** *** Bank (USA), N.A. Current Owner: CACH, LLC Account Number: *** Reference Number: *** Dear MsR***: This letter is in response to your correspondence received January 3, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on January 20, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH, and began servicing it on or about June 15, 2017. After 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 account. Additionally, a request to delete the CACH 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 inconvenience. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P

February 26, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Ms*** dated February 19, regarding the above-referenced accountCACH, LLC (“CACH”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by CACH. Since our initial response, a payment in the amount of $dated July 11, was located and posted to the accountThe delay in the processing of this payment was due to a combination of factorsThe payment was initially sent to *** Solutions on or about June 28, Resurgent did not began servicing the account until June 15, 2017, causing a delay in the receipt of the paymentIn addition, the information provided on the payment was illegible making it difficult to locate the correct accountAs of the date of this communication, our office has not located any other payments from Ms*** regarding this accountIf Ms*** sent in additional payments, any information Ms*** could provide would be helpful in locating additional paymentsWe apologize for any inconvenience this may have caused. Please be advised that our records have been updated to reflect the last payment of $was received on July 11, 2017, which leaves a a total current balance of $If Ms*** has any documentation showing confirmation that these payments were made, we ask that she forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, MS*** Compliance Department Resurgent Capital Services L.P

RE: *** ***; Case/File No*** Previous Creditor: *** *** Bank (USA), N.A. Original Creditor: *** *** Bank (USA), N.A. Current Owner: CACH, LLC Account Number: *** Reference Number: *** Current Balance: $826.21 Dear MsR***: This letter is in response to your correspondence received January 3, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on March 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, 2017. Resurgent has received and reviewed Mr***’s January 3, disputeOur records indicate that we have already received and responded to two previous inquiries which are substantially the same as his January 3, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Our December 18, response to Mr***’s inquiry provided him with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAAs stated in our December 18, response, we ask that Mr*** provide evidence to support his claim that this account was previously paid or satisfied in full to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AB*** 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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

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. 
So the Debt Collector Resurgent Capital Services located at 55 Beattie Place, Suite 110, [redacted], Greenville, SC, 29601 has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under CASH, LLC.  This dispute was opened on 12.13.2017 by the Revdex.com and still CASH, LLC. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ([redacted]).  1.       This debt was added to a credit report without being verified.  In compliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 2.       This debt has still yet to be verified with consumer as of 1/12/2018 3.       Upon dispute from the Revdex.com the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against 4.       Have failed to mail any documentation to the consumer regarding the debt 5.       I demand that this be removed from my credit report for the above violations.  If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from December 26th, 2017.   I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.   [redacted] January 12th 2018  
Regards,
[redacted]

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank Omaha Original Creditor: [redacted] Bank Omaha Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response...

to your correspondence received July 27, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on July 15, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH. Please review the following account information: 1. This account originated on February 3, 2014 with [redacted] Bank Omaha. 2. This account charged off on June 30, 2016 with a balance of $3,956.30. 3. The last payment in the amount of $2,300.00 was received on January 4, 2017. CACH acquired all ownership rights in this account upon CACH’s purchase of this account. Those 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 reporting. Currently, CACH is not reporting the account to the major consumer reporting agencies. We have verified this account was settled in full on January 4, 2017 for $2,300.00. Due to an administrative error the status of the account was not updated to “Settled in Full” when Resurgent began servicing the account on or about June 15, 2017, which resulted in the letter being sent to Mr. [redacted] in July 2017. The status of the account has since been updated to “Settled in Full” in our system. The account is considered resolved in our office, and Mr. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. We apologize for any inconvenience. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.

I still believe that this is a case of false reporting. I mailed the payment to the address on the credit report. And I called too. A settlement amount was negotiated previously. Now, I just want it removed, because the information was false, and I have had some losses.Again, we settled on a total of 217.  The payments shown on my calendar were are as follows: 6/28 - 50 7/07 - 677/11 - 507/30 - 50 Sincerely,[redacted]