CACH, LLC

February 13, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank & Trust Company Current Owner: CACH, LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve, and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on June 19, 2014 with [redacted] Bank & Trust Company. The last payment in the amount of $38.60 was received on April 13, 2015. The account charged off on May 26, 2015 with a balance of $375.02. CACH subsequently acquired the account on June 26, 2015. No payments have been received on this account since CACH acquired it. The current account balance is $375.02. 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, this account is being reported to the three major consumer reporting agencies on behalf of CACH. Based 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 agencies. It will continue to report as such for the remaining reporting period unless new facts require a change. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframe. The FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customer. Resurgent did stop collection efforts once we received Ms. [redacted]’ request. We are providing the enclosed bill statements and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, M. S[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. Rigdon: This letter is in response to the additional concerns submitted by Mr. [redacted] dated December 21, 2017 regarding the above-referenced account. CACH, LLC (“CACH”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by CACH. Resurgent has received and reviewed Mr. [redacted]’s December 21, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated December 13, 2017 which is substantially the same as his December 21, 2017 dispute. Because 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 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 expired. 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.

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, 2017 regarding the above-referenced account. CACH, LLC (“CACH”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by CACH. As advised in our previous response, Ms. [redacted] agreed to pay $452.00 per month beginning in March 2014 until a total of $5,424.00 was received. On March 3, 2014, Ms. [redacted] paid the first payment in the amount of $452.00 as agreed. Our records indicate that Ms. [redacted] attempted to make payments on the account from April 2014 through June 2014, however these payments were returned and no further payments were made of the account. As of the date of this communication, the remaining balance due is $10,392.51. 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 made. If 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 below. If 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 agencies. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[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]

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: $621.84 Dear Ms. [redacted]: This letter is...

in response to your correspondence dated June 28, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on September 25, 2012. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, 2017. As of the date of this communication, the account balance is $621.84. Please review the following account information: 1. This account originated on January 20, 2012 with [redacted] Bank and was opened with [redacted] Credit. 2. This account charged off on August 24, 2012 with a balance of $621.84. 3. No payments have been received on this account since CACH acquired it on or about September 25, 2012. 4. Enclosed is the charge off statement on file for this account. All ownership rights in this account were transferred to CACH when this account was purchased from the previous creditor. Those 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 reporting. Currently, CACH is not reporting the account to the major consumer reporting agencies. Mr. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, 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 account. Receipt of Mr. [redacted]’s Revdex.com inquiry dated June 28, 2017 is the first written communication our office has received from Mr. [redacted] regarding this account. We 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, 2017 inquiry contains language Resurgent has interpreted to mean that we cease written communication with him. When 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 customer. Upon 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 request. If, 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 matter. If 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 full. In 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] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 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. Enclosure(s)