LVNV Funding, LLC

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Associates, Inc. Original Creditor: [redacted] Corporation of South Carolina Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,415.00 Dear Ms. [redacted]: This letter is in response to your correspondence dated July 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 2015. 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 $1,415.00. Please review the following account information: 1. This account originated on July 28, 2014 with [redacted] Corporation of South Carolina (“[redacted]”) and was opened with [redacted]. 2. This account charged off on February 25, 2015 with a balance of $1,415.00. 3. No payments have been received on this account since Resurgent started servicing it in December 2015. 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. Regarding Ms. [redacted]’s claim that “only parties to contracts should be able to sue to enforce their rights or claim damages as such,” our records do not indicate there is any pending legal action regarding this account. The enclosed letter containing verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing the loan agreement for review. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on January 11, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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, T. H[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: $445.70 Dear Ms. [redacted]: This letter is in response to your correspondence dated April 20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 20, 2017. Resurgent [redacted] Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $445.70. Please review the following account information: 1. This account originated on December 9, 2013 with [redacted], N.A. 2. This account charged off on August 6, 2014 with a balance of $445.70. 3. No payments have been received on this account since Resurgent started servicing it in January 2017. 4. 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 [redacted] or more consumer reporting agencies. Resurgent will respond in a timely manner and provide 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. Resurgent has reviewed the allegation in Ms. [redacted]’ inquiry that the above referenced account was discharged in bankruptcy. Our records indicate that this account was opened after Ms. [redacted]’ bankruptcies were filed, and therefore was not included in her bankruptcy. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on January 25, 2017. When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. 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. 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: 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, T. H[redacted] Compliance Department Resurgent [redacted] Services L.P. Enclosure(s)

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: $776.93 Dear Ms. R[redacted]: This letter is in response to your correspondence received December 27, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on March 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 $776.93. Please review the following account information: 1. This account originated on November 26, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $34.95 was received on June 26, 2015. 3. This account charged off on February 26, 2016 with a balance of $776.93. 4. No payments have been received on this account since Resurgent started servicing it in March 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 [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to their dispute. 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] Bank, N.A. 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. 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. Enclosed is a copy of the notice that was sent on or about March 17, 2016 advising that information may be reported to the consumer reporting agencies if the debt is not paid. We are providing the enclosed bill statements, terms and conditions, 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. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The November 2, 2015 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. Our records indicate that a lawsuit, Case No,[redacted], was filed in the Circuit Court of [redacted] County, Arkansas and was dismissed without prejudice. Due to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the account. If, after reviewing the above-referenced information, [redacted] believes this account is 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 this account was previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter, cancelled check(s), and/or confirmation 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] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

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 reason I do not accept is this is because it is not proof that this debt belongs to me. This is a debt that I...

do not recall and I have never received any correspondence from [redacted], resurgent,or lvnv in regards to the alleged debt I wish to have this removed from my credit report due to the fact That I do not think it is a debt I have incurred.
Regards,
[redacted]

October 18, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $695.96Dear Ms. R[redacted]:This letter is in response to your correspondence received October 12, 2017 regarding the above- referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on May 12, 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 $695.96. Please review the following account information:1. This account originated on May 27, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on August 9, 2015. 3. This account charged off on April 7, 2016 with a balance of $695.96. 4. No payments have been received on this account since Resurgent started servicing it in May 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 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.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. Enclosed is a copy of the notice that was sent on or about May 14, 2016 advising that information may be reported to the consumer reporting agencies if the debt is not paid.The enclosed letter containing verification of debt mailed to Mr. [redacted] on November 17, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account are enclosed for your reference. This account has been properly verified as required by the FDCPA.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] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1[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 [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 7, 2016, regarding the above-referenced account. LVNV Funding LLC (“LVNV”), the Current Creditor-Debt Purchaser, owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. [redacted] 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 January 9, 2014. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or about October 2020. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. This account has been properly verified, as required by the [redacted]. 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 you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [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. 
Sending a debt validation letter two years after you begin collection activity and credit reporting is a violation...

of the FDCPA. LVNV also chooses to ignore the fact they were operating in a state they are not licensed and are collecting on a debt that the original creditor deleted due to violations of the FCRA. One of the three major credit reporting agencies already deleted the trade line. If you do not put in a request to delete reporting from the other two this problem will continue to escalate. Do the right thing or you will regret it, you are accomplishing nothing.
Regards,
[redacted]

RE: [redacted] F. [redacted]; Case/File No. 1[redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $419.51 Dear Ms. [redacted]: This letter...

is in response to your correspondence dated January 20, 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 $419.51. Please review the following account information: 1. This account originated on May 29, 2015 with [redacted] Bank, N.A. 2. This account charged off on May 9, 2016 with a balance of $585.36. 3. The last payment in the amount of $165.85 was received on November 28, 2016. 4. As of the date of this letter the balance owed is $419.51, which includes $0.00 of interest. 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. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Most recently, this account was placed with [redacted] & Collections Corp. to service on Resurgent’s behalf. Ms. [redacted] states that she requested validation, but never received a response. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on January 5, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we have enclosed the bill statements and terms and conditions on file for this account as further verification of debt. This account has been properly verified, as required by the FDCPA. Ms. [redacted]’s January 20, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. 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. On January 27, 2017, Ms. [redacted] contacted Resurgent by phone and spoke with a member of the Compliance department. She indicated that she did not recall having this account and believed it to be fraud. She was provided instructions on how to dispute this account as fraud. We are currently awaiting her documentation, and will review it upon receipt. We would like to point out, however, that in a letter to the consumer reporting agencies, Ms. [redacted] indicated this account was paid prior to LVNV’s acquisition and should have never gone to collections, which would contradict her claim that this account is fraud. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition or charged off in error. If, upon hearing back from the original creditor, we learn anything to substantiate Ms. [redacted]’s claims, we will take any necessary steps to resolve this account. 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. Please advise Ms. [redacted] to forward any documents to the address below. 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] Attn: Complaint Department P.O. Box [redacted], SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department Resurgent Capital Services L.P. Enclosures

December 13, 2016 [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] Consumer USA Original Creditor: [redacted] Current Owner: LVNV...

Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $442.67 Dear Ms. [redacted]: This letter is in response to your correspondence dated December 6, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 28, 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 $442.67. Please review the following account information: 1. This account originated on January 12, 2015 with [redacted] and was opened with [redacted]. 2. This account charged off on December 20, 2015 with a balance of $442.67. 3. The last payment in the amount of $50.00 was received on May 22, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. 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. 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. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. Verification of debt was previously provided to Ms. [redacted] on November 15, 2016 in response to her Consumer Financial Protection Bureau (“CFPB”) inquiry dated November 7, 2016. We are enclosing the bill statements and account summary previously provided to Ms. [redacted] as verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). 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. Enclosures

January 17, 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] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $595.01 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 11, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 30, 2015. 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 $595.01. Please review the following account information: 1. This account originated on December 20, 2013 with [redacted] and was opened with [redacted]. 2. This account charged off on February 10, 2015 with a balance of $595.01. 3. No payments have been received on this account since Resurgent started servicing it in April 2015. 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. The enclosed letters were mailed to Ms. [redacted] on November 6, 2017 in response to her October 25, 2017 correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”) and applicable state and local laws. 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] [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, J. A[redacted] Compliance Department Resurgent Capital Services L.P. Enclosures

RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry...

received March 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on August 16, 2017. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. 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 January 27, 2015 with [redacted] Bank, N.A. The last payment in the amount of $42.00 was received on November 25, 2016. The account charged off on July 3, 2017 with a balance of $1,226.69. No payments have been received on this account since it was acquired by LVNV. The current account balance is $1,226.69. 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. In accordance with the Fair Credit Reporting Act, 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] Bank, N.A. 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. We are providing the enclosed bill statements, terms and conditions, and an account summary on file for this 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. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The November 3, 2015 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. 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] [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, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

This loan was sold to [redacted] which is now Resurgants. It was sold 1/17/2008.  [redacted]  Please redirect

RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received January...

31, 2018 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. 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 7, 2016 with [redacted] and was opened with [redacted]. The last payment in the amount of $80.00 was received on July 15, 2016. The account charged off on February 24, 2017 with a balance of $682.70. LVNV subsequently acquired the account on March 28, 2017. No payments have been received on this account since Resurgent began servicing it in March 2017. The current account balance is $682.70. 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 will respond in a timely manner and provide 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 August 28, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in May 2023. We are providing the enclosed bill statements and account summary on file for this 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, 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT2/5/2018 3:33:43 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 Unit * Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: TX Account Number XXXXXXXXXXXX[redacted]Zip Code: 78681-4998 Merchant [redacted]Current Balance Due $682.70Date of Last Payment 07/15/2016Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 06/07/2016The account charge-off date was: 02/24/2017The account charge-off amount was: $682.70The account was acquired on or about: 03/28/2017The account was acquired from: [redacted] Consumer USAThe account balance at time of acquisition: $682.70This 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 of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous [redacted] Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account...

Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 18, 2016 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] on or about May 9, 2013. Please review the following account information: 1. This account originated on April 7, 2008 with [redacted]. and was opened with [redacted] 2. This account charged off on May 31, 2010. 3. The last payment in the amount of $100.00 was received on March 31, 2015. 4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing it in May 2013. 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 as “Paid in Full for Less than the Full Balance” 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 electronic dispute that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported accurately as Account Paid in Full for Less than the Full Balance. [redacted] charged off this debt and sold the account. 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 2, 2009. A request to delete the LVNV 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. Resurgent has no record of receiving any written or telephonic communication from [redacted] after the account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.

March 12, 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], N.A. Current Owner:...

LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 7, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on January 20, 2017. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. 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. Our records indicate that Ms. [redacted] called into our office on February 14, 2018 to discuss settling the account. During the call, Ms. [redacted] was advised that Resurgent does not accept payment in exchange for tradeline deletion and that the account would report accurately to the credit reporting agencies until the permissible reporting period expires. We have verified this account was satisfied in full on February 14, 2018 for $463.43. The status of the account was updated to “Satisfied in Full” on February 15, 2018. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on March 7, 2018. Additionally, if Ms. [redacted] would like to contact our office, we ask that she forward any written communication to the following address: Compliance Department or Fax: 866-[redacted] [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. B[redacted] Compliance Department Resurgent Capital Services L.P.

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: $588.82 Dear Ms. [redacted]: This letter is...

in response to your correspondence received October 25, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] having acquired it on May 12, 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 $588.82. Please review the following account information: 1. This account originated on January 8, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on April 15, 2016 with a balance of $1,358.80. 3. The last payment in the amount of $384.99 was received on August 28, 2017. 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 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. [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 October 14, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in July 2022. Mr. [redacted] states that Resurgent violated the FDCPA because we did not respond to his inquiry (or request for validation) within 30 days. 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 Mr. [redacted]’s request, and did not resume those efforts until we provided him with a verification response. The enclosed letters providing verification of debt and validation were mailed to Mr. [redacted] on June 29, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements on file for this account. This account has been properly verified as required by the FDCPA. 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)

Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted], Inc. Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 8, 2016 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]. on or about June 7, 2013. Please review the following account information: 1. This account originated on January 24, 2009 with [redacted] and was opened with [redacted] 2. This account charged off on June 22, 2012 with a balance of $4,003.54. 3. The last payment in the amount of $2,313.67 was received on February 29, 2016. 4. Our records indicate this account was included in [redacted] Chapter 13 bankruptcy. The loan obligation encumbering the below-listed collateral was satisfied with the payment of $2,313.67 dated February 29, 2016. [redacted] After review, Resurgent has determined the check in the amount of $1,156.83 posted to [redacted] additional account in our system on March 3, 2016. That account, with reference number [redacted] account number [redacted] originated January 8, 2008 with [redacted]. Resurgent is also the servicer of this account owned by LVNV. Our records indicate the account ending in [redacted] was also included in [redacted] Chapter 13 bankruptcy. As part of our investigation, we reviewed the phone calls [redacted] placed to Resurgent in February and March 2016[redacted] advised Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in the amount of $2,313.67 on February 29, 2016, and at no time advised Resurgent we did not have permission to post the check in the amount of $1,156.83. A refund in the amount of $1,156.83 will be issued to [redacted] once the payment has posted for 30 days, per Resurgent policy, in case of insufficient funds or cancellation of payment. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Resurgent Capital Services L.P.

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: $865.35 Dear Ms. [redacted]: This...

letter is in response to your correspondence dated June 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 9, 2015. 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 $865.35. Please review the following account information: 1. This account originated on October 15, 2013 with [redacted] Bank, N.A. 2. The last payment in the amount of $25.00 was received on September 26, 2014. 3. This account charged off on May 27, 2015 with a balance of $865.35. 4. No payments have been received on this account since Resurgent started servicing it in June 2015. 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. [redacted] Bank, N.A. 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. Additionally, we have confirmed that Ms. [redacted]’s account is still within her state’s statute of limitations. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. Enclosed is a copy of the notice that was sent on or about June 12, 2015 advising that information may be reported to the consumer reporting agencies if the debt is not paid. The enclosed letters containing verification of debt with validation were mailed to Ms. [redacted] on May 3, 2016 and May 11, 2016 in response to her April 18, 2016 inquiry. 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”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease telephone communication with her to this office on May 23, 2017. When such a request is received by our office, we place a restriction on the account so that no further telephone contact is made to the customer. 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: 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,
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:My attorney stated that as long as there is no contact with me then they should be fine. If you have questions contact my attorney who is dealing with my chapter 7. No collection is to be done on any of these accounts or they will have to deal with my attorney.The case is filed with court so no one can do any more contact with me in regards with any of these accounts. So please make [redacted] and [redacted] bank aware of this so they stop sending me letters.
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]