LVNV Funding, LLC

Please see the attached response.May 20, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** *** *** LLC Original
Creditor: *** *** *** ** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated May 19, 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 *** *** *** LLC on or about September 23, Please review the following account information: This account originated on December 11, 2000, with *** *** *** **. This account charged off on March 30, 2007. The last payment in the amount of $was received on March 23, This was the only payment received on this account since Resurgent started servicing it in September 2011. 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 agencies. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. We have reviewed *** ***’s payment of $received on March 23, The original settlement agreement was to make two payments of $954.84; however, as a courtesy, Resurgent has updated his/her account to “settled in full”The account is considered resolved in our office, and Lothar Baier should not be contacted by Resurgent or any affiliate companies regarding this accountWe apologize for any inconvenience experienced regarding the above account. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P

*** *** *** Junction City, Or August 6, I went for a ride today on a dune buggy at Sanddunes Frontier I believe the machine I rode on was unsafe and a danger to the publicThe drivers name was John, we went flying all over the place having a good timeWe got sideways on hill and I thought we might dump over and out other corner of my eye I thought the driver was sure turning the wheel a lotWe got straighten up and went onWe came to a roundabout in the sand and I saw him turning the steering wheel with no responseHe got out and straightened the wheels by hand and then the steering wheel workedHe then drove back to the shop and said he would fix it and come back in five minutesI went and talked to the casher and only got an Email address***@aol.com and a name ChuckNo one acknowledged a safety concernThis vehicle needed a new steering gear not a little repairPeople are being driven at a high rate of speed and could be killed or injuredI beli

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. 
The attached letter is NOT proof. I was never notified that I had 30 days to dispute the debt as invalid! The collection was reported without a notice and this is in clear violation of the FCRA.  Resergent/LVNV has still not shown proof of an official dunning notice. They continue to provide the same email which is not proof of a dunning notice in anyway shape or form! I want this account removed from the credit bureaus or I will file a complaint with the FTC and the CFPB. 
Regards,
[redacted]

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No....

[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] (original Account Number [redacted]) Reference Number: [redacted] Current Balance: $5,751.43 Dear [redacted] This letter is in response to your correspondence dated July 20, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about June 7, 2013. As of the date of this communication, the account balance is $5,751.43. Please review the following account information: 1. This account originated on March 30, 2011 with [redacted] Services, Inc. 2. This account charged off on January 30, 2012 with a balance of $3,954.82. 3. The last payment in the amount of $100.00 was received on February 3, 2012. 4. No payments have been received on this account since Resurgent started servicing it in June 2013. 5. The Application for Loan and Loan Agreement and Disclosure Statement are enclosed for reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The enclosed validation of debt was mailed to [redacted] on or about June 20, 2013 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). A judgment was obtained May 14, 2014 in the Court of General Sessions, County of [redacted], State of [redacted], with case number [redacted]. Our records indicate that [redacted] was served the summons and complaint on May 2, 2014. Enclosed is a copy of the judgment for [redacted] review. This is the only judgment Resurgent has record of, and this judgment has not been satisfied. We are not the source of public record information reported by consumer reporting agencies. If [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. If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 complaint. In addition, if [redacted] has any correspondence to/from [redacted] Services, Inc., [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] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P. Enclosures

January 29, 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] Reference Numbers: [redacted] Dear Ms. R[redacted]: This letter is in response to your correspondence received January 22, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on January 8, 2015 with [redacted], N.A. 2. This account charged off on June 18, 2016 with a balance of $910.57. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $910.57. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on June 20, 2014 with [redacted], N.A. 2. This account charged off on June 29, 2016 with a balance of $571.22. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $571.22. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should these accounts are eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. [redacted]’s complaint dated January 22, 2018 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradelines for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts would have been met by these servicers. We are providing the enclosed bill statements and an account summary on file for each account 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, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that these accounts were previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s) ACCOUNT SUMMARY REPORT1/31/2018 4:02:32 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: Clinton Township Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $571.22Date of Last Payment 06/22/2016Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/20/2014The account charge-off date was: 06/29/2016The account charge-off amount was: $571.22The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $571.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT1/31/2018 4:04:17 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $910.57Date of Last Payment 11/14/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 01/08/2015The account charge-off date was: 06/18/2016The account charge-off amount was: $910.57The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $910.57This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: [redacted] Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $655.59 Dear Ms. [redacted]: This letter is in response to your correspondence dated April 20, 2017 regarding the above-referenced account. [redacted] Credit Services, LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on October 1, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted] and began servicing it on or about April 18, 2016. As of the date of this communication, the account balance is $655.59. Please review the following account information: 1. This account originated on December 13, 2010 with [redacted]. 2. This account charged off on June 14, 2011 with a balance of $655.59. 3. No payments have been received on this account since [redacted] acquired it in October 2013. 4. Enclosed is a bill statement and an account summary on file for this account. All ownership rights in this account were transferred to [redacted] 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, this account is being reported to the three major consumer reporting agencies on behalf of [redacted]. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the electronic dispute that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the [redacted] tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. 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] MS [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)

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted], N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $684.62 Dear Ms....

R[redacted]: This letter is in response to your correspondence received December 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 23, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $684.62. Please review the following account information: 1. This account originated on June 9, 2014 with [redacted], N.A. (“[redacted]”). 2. This account charged off on April 11, 2016 with a balance of $684.62. 3. No payments have been received on this account since Resurgent started servicing it in August 2017. 4. Enclosed is an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’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 LVNV. Mr. [redacted]’s inquiry dated December 18, 2017 is the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 6, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. Resurgent, as servicer for LVNV, 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 LVNV. Any notification requirements for this account would have been met by these servicers. Mr. [redacted]’s December 18, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. 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 affidavit. If 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 full. In 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] 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT12/21/2017 12:27:35 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: SC Account Number XXXXXXXXXXXX[redacted]Zip Code: 29526-4402 Current Balance Due $684.62Date of Last Payment 09/04/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/09/2014The account charge-off date was: 04/11/2016The account charge-off amount was: $684.62The account was acquired on or about: 08/23/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $684.62This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], N.A. Original Creditor: [redacted] Bank Nevada, N.A. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,733.45 Dear Ms....

[redacted]: This letter is in response to your correspondence dated October 4, 2016 regarding the above-referenced account. [redacted] Funding LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on January 28, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $2,733.45. Please review the following account information: 1. This account originated on May 24, 2008 with [redacted] Bank Nevada, N.A. 2. This account charged off on June 30, 2012 with a balance of $2,233.63. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. All ownership rights in this account were transferred to [redacted] 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, this account is being reported to the three major consumer reporting agencies on behalf of [redacted]. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the [redacted] tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Verification of debt was provided to Ms. [redacted] in response to her previous inquiry with the Revdex.com (“Revdex.com”) in July 2016. Enclosed is our previous response dated July 26, 2016, which contained the bill statements and an account summary on file for this account. Additionally, we provided Ms. [redacted] with verification of debt again in September 2016 in response to her inquiry via the Consumer Financial Protection Bureau (“CFPB”). This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). We received Ms. [redacted]’s electronic correspondence regarding her financial hardship, but it contained no evidence to support her hardship claim. Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. We request that Ms. [redacted] provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate action. Evidence regarding hardships should be sent to the address below. If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted]
** Complaint Department Resurgent Capital Services L.P. Enclosures

Dear Ms. [redacted]: This letter is in response to your correspondence dated November 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 14, 2013. Resurgent Capital Services LP ("Resurgent") is the...

servicer of the account owned by LVNV. As of the date of this communication, the account balance is $1,106.32. Please review the following account information: 1. This account originated on May 27, 2009 with [redacted] Bank Nevada, N.A. and was opened with [redacted]. 2. This account charged off on October 31, 2011 with a balance of $568.13. 3. The last payment in the amount of $42.00 was received on September 3, 2011. 4. No payments have been received on this account since Resurgent started servicing it in June 2013. 5. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to LVNV 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, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Ms. [redacted]’s inquiry dated November 15, 2016 is the first written communication that Resurgent has received from Ms. [redacted] regarding the above-referenced account. We are providing the above-referenced account summary as verification of debt. If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosure ACCOUNT SUMMARY REPORT11/17/2016 9:16:04 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Cir Resurgent Reference # [redacted]City: [redacted] Original Creditor HSBC Bank Nevada, N.A.State: TX Account Number [redacted]Zip Code: [redacted]-3105 Current Balance Due $1106.32Date of Last Payment 09/03/2011Historical Account InformationThe original creditor for this account was: [redacted] Bank Nevada, N.A.The origination date with original creditor was: 05/27/2009The account charge-off date was: 10/31/2011The account charge-off amount was: $568.13The account was acquired on or about: 06/14/2013The account was acquired from: Capital One, N.A.The account balance at time of acquisition: $1,013.51This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1

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. 
This response is being rejected as I am not liable for the alleged debt. Collection company has not furnished a...

signed contract that I have any agreement or taking any responsibility of the alleged debt with there company. This company has not provided proof that they are licensed to collect in the state of Florida for any debts. Per Florida Office of Financial Regulations they do not have a license to collect any debt in the state of Florida on in Las Vegas Nevada and South Carolina. Per FCRA they must furnish and validate the alleged debt with a signed legally bounded contract. 
Regards,
[redacted]

November 9, 2017 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current...

Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $825.07 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 3, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 14, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $825.07. Please review the following account information: 1. This account originated on September 22, 2015 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $30.00 was received on October 19, 2015. 3. This account charged off on May 29, 2016 with a balance of $825.07. 4. No payments have been received on this account since Resurgent started servicing it in June 2016. LVNV acquired all ownership rights in this account upon LVNV’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 LVNV. Resurgent received the electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Credit One charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 27, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on March 14, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] called into our office on November 3, 2017 inquiring about settling the account. If Ms. [redacted] would like to discuss settlement arrangements, she may contact Customer Service at the number below. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reported accurately to the three major consumer reporting agencies. If Ms. [redacted] pays the account, the LVNV tradeline would be updated to reflect that the account has been paid. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. 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, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

March 14, 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] Reference Numbers: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated March 9, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the account numbers ending in [redacted] and [redacted] respectively. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts owned by LVNV. As advised in our previous response, Resurgent utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts were met by these servicers. The enclosed letters were mailed to Ms. [redacted], in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Unless the information requested to resolve these accounts as fraudulent or paid is received, the accounts will continue to report as disputed until the permissible period for the credit reporting of these accounts has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) **
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**August 12, 2016 [redacted] Way [redacted] GA 31322 RE: Original Creditor: [redacted] Bank, N.A. Account Number: XXXXXXXXXXXX[redacted] Balance Due: $1,246.16 Fees Due: $0.00 Interest Due: $0.00 Costs Due: $0.00 Total Due: $1,246.16 RE: LVNV Funding LLC to whom the debt is owed. Dear [redacted]: Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have. The attorneys with this firm are licensed to practice in the State of Georgia. Very truly yours, [redacted], JR. [redacted] 
[redacted] File No.: [redacted] 
THE LAW FIRM OF [redacted], JR., LLC IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,085.92 Dear Ms....

[redacted]: This letter is in response to your correspondence dated June 14, 2017, and received July 10, 2017, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on July 13, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $1,085.92. Please review the following account information: 1. This account originated on August 8, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $246.00 was received on April 28, 2016. 3. This account charged off on June 15, 2016 with a balance of $1,085.92. 4. No payments have been received on this account since Resurgent started servicing it in July 2016. LVNV acquired all ownership rights in this account upon LVNV’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 LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It 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 satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is December 14, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on January 2, 2017 in response to her December 29, 2016 dispute. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. 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] MS [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, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number:...

[redacted] Reference Number: [redacted] Current Balance: $589.78 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 10, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 22, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $589.78. Please review the following account information: 1. This account originated on October 1, 2013 with [redacted] Bank, N.A. 2. This account charged off on July 7, 2014 with a balance of $589.78. 3. The last payment in the amount of $50.00 was received on April 15, 2014. 4. No payments have been received on this account since Resurgent started servicing it in August 2014. All ownership rights in this account were transferred to LVNV 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, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr. [redacted]’s letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 6, 2013. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about August 2020. Verification of debt was previously provided to Mr. [redacted]’s attorney in compliance with the Fair Debt Collection Practices Act (“FDCPA”) with the enclosed letter dated May 7, 2015. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account as further verification of the debt. 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. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 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: Complaint Department or Fax: [redacted] MS 250 Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosures

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Communications, Inc. Original Creditor: [redacted] Communications, Inc. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $584.88 Dear Ms. [redacted]: This letter is in response to your correspondence dated November 14, 2016 regarding the above-referenced account. [redacted] Funding LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on November 7, 2012. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $584.88. Please review the following account information: 1. This account originated on November 19, 2009 with [redacted] Communications, Inc. 2. This account charged off on August 11, 2010 with a balance of $518.71. 3. No payments have been received on this account since Resurgent started servicing it in November 2012. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to [redacted] 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, this account is being reported as “disputed” to the three major consumer reporting agencies on behalf of [redacted]. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the [redacted] tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. Mr. [redacted]’ November 14, 2016 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When 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 customer. Mr. [redacted]’ inquiry dated November 14, 2016 is the first written communication that Resurgent has received from him regarding the above-referenced account. Our records do not indicate that we have received a fraud affidavit from him. 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. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 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: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, T. H[redacted] Complaint Department Resurgent Capital Services L.P. Enclosure

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated November 6, 2017 regarding the above-referenced account. LVNV 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. Resurgent has received and reviewed Ms. [redacted]’s November 6, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 26, 2017 which is substantially the same as her November 6, 2017 dispute. Because her 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. As stated in our previous response, Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate Ms. [redacted]’ claim(s), we will take any necessary steps to resolve this account. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.

I'm here because LVNV FUNDING LLC  states that I owed them $155.93.  [redacted] Bank account was referred to LVNV Funding LLC . Original creditor- [redacted] Bank  - [redacted]. I set up an account with [redacted] who has merged to Money Management...

International. [redacted] is a division of [redacted] Int'l is full service credit counseling agency which teaches consumers like myself how to manage my money better.  I also have a dispute with EQUIFAX and couldn't get anything resolved in the past.  I consolidated this debt back in 2013 with [redacted] and [redacted] Bank was one of my creditors listed. My account number with [redacted] International is Client [redacted]-**. Phone  number is 1-800-[redacted]. The enclosed document will show my account with [redacted] Bank/ LVNV Funding LLC is paid in full.  I have been going back and forth for two years trying to remove this from my credit report. This factor has been contributing to a bad credit rating that has effected my credit score. I'm trying to improve my financial life.

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. ...


Regards,
[redacted] Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person

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. 
Regards,
[redacted]        I’m rejecting the response because there still trying...

too make me pay for the bill and I’m on a credit counseling program and it’s suppose to be paying for these two accounts. So I still feel like they’re trying to get extra money.

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated May 15, 2017 regarding the above-referenced account. LVNV 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. As advised in our previous response, if 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 to the address below in order to help us resolve this matter. Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] does not wish to dispute this account as fraud, and instead would like to make payment arrangements, she may contact Customer Service at the number below. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full” and a request to update the [redacted] tradeline to “account paid in full” will be submitted to the three major consumer reporting agencies. Please be advised, we do not accept payment in exchange for tradeline deletion. If the account is paid, it will report as paid to the consumer reporting agencies. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P.