LVNV Funding, LLC

February 14, 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] Reference Number(s): [redacted], [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced accounts. LVNV Funding LLC ("LVNV") owns the two referenced accounts. Resurgent Capital Services LP ("Resurgent") is the servicer of these LVNV owned accounts. 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. The first account, account number [redacted], reference number [redacted], originated on March 17, 2012 with [redacted], N.A. The account charged off on September 16, 2017 with a balance of $953.31. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $20.00 was received on January 5, 2018. The current account balance is $873.31. Enclosed are bill statements and an account summary that includes additional account information. The second account, account number [redacted], reference number [redacted], originated on November 13, 2014 with [redacted], N.A. The account charged off on September 12, 2017 with a balance of $953.42. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $22.00 was received on January 5, 2018. The current account balance is $865.42. Enclosed are bill statements and an account summary that includes additional account information. 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 the accounts be eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’ inquiry dated February 5, 2018 is the first communication, written or otherwise, that Resurgent has received from him regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted], N.A. charged off these debts and sold these accounts. “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. These accounts have been placed with one or 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. Resurgent has submitted a request to the original creditor investigating Mr. [redacted]’ claim that these accounts should not have been charged-off due to Mr. [redacted]’ credit counseling program. If, upon hearing back from the original creditor, we learn anything to substantiate Mr. [redacted]’ claim(s), we will take any necessary steps to resolve this account. If Mr. [redacted] has documentation to support his claim, we ask that he forward it to the address below. 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, L. R[redacted] Compliance Department Resurgent Capital 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: $1,005.22 Dear Ms. [redacted]: This letter...

is in response to your correspondence dated June 14, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 10, 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 $1,005.22. Please review the following account information: 1. This account originated on August 21, 2011 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on May 21, 2012. 3. This account charged off on December 27, 2012 with a balance of $723.11. 4. No payments have been received on this account since Resurgent started servicing it in January 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 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. We are unable to alter the credit reporting of another creditor. Mr. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. 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 letter containing verification of debt was mailed to Mr. [redacted] on April 26, 2017 in response to his request dated April 15, 2017. Additionally, we are providing the enclosed bill statements 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, 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)

April 2, 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 Number: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received March 26, 2018 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 March 26, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated March 16, 2018 which is substantially the same as her March 26, 2018 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 advised in our previous response, LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. [redacted] charged off this debt and sold the account. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Additionally, our previous response provided verification of the debt as required by the FDCPA. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If 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.

August 8, 2017 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated July 31, 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 July 31, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated July 21, 2017 which is substantially the same as her July 31, 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. Our response to Ms. [redacted]’s previous inquiry provided her with verification of debt. This account has been properly verified as required by the Fair Debt Collection Practices Act. 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 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.

Please see the attached response.
January 8, 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] Original Creditor: [redacted]. Current Owner:...

LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $655.44 Dear [redacted] This letter is in response to your correspondence dated January 7, 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 January 16, 2015. As of the date of this communication, the account balance is $655.44. Please review the following account information: 1. This account originated on June 21, 2013, with [redacted]. 2. This account charged off on December 28, 2014, with a balance of $655.44. 3. The last payment in the amount of $30.00 was received on May 18, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2015. 5. Enclosed are bill statements, terms and conditions and an account summary for your review. 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, 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. Resurgent, as servicer for [redacted], utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of 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. Furthermore, enclosed is a copy of the letter Resurgent mailed [redacted], which included the validation notice. We apologize for [redacted]’s inconvenience she may have experienced in her attempts to try to contact us regarding this account. Due to the inconvenience she has experienced, we would like to offer to satisfy in full for $250.00. Upon confirmation that the funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies. Payment(s) may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. [redacted] If payment is not received by the February 15, 2016, this account may be placed for further collections, and this payment agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous payment arrangements have been made. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. 
Firstly, I would like to take this opportunity to thank you for your cooperation and quick responses, it is sincerely appreciated. At this point, I do believe this account to be fraudulent. However, I am willing to pay this account in full as a demonstration of goodwill under the following conditions: - Resurgent/ LVNV Funding LLC will delete all references to this account from my credit report at all three credit bureaus(EXPERIAN, TRANSUNION, EQUIFAX). The purpose of this settlement is to have this item removed from my credit files, and restore my good name in a timely manner. It is not to be construed as an acknowledgment of liability for this debt in any form. I understand that I may file a police report regarding this matter. However, for both of our convenience, I would like to offer this settlement before pursuing any legal matters.If you agree to these terms, I will send certified payment in the amount of $182.00 in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, please prepare a letter on your company letterhead agreeing to the terms. Please have an authorized agent of the company sign this letter. Thank you for taking the time to consider this offer. I appreciate your time and customer service.   
Regards,
[redacted]

Never received a dunning letter from these debt collecters. It is showing on my credit reports that I have a balance due which I was never aware of.

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.  Show me a signed contract and that you own this debt
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
They have no legal recourse for my not agreeing to pay this predator debt buyer and are simply...

negatively affecting my credit which is otherwise exemplary.  I disagree as well that proper correspondence was issued regarding this debt, as I never received such correspondence or communication, and I'd like to see proof such correspondence was made. In their failing to adhere to notification and right to dispute communication requirements via direct contact or via these "3rd party vendors" mentioned, I request once again that this business cease and desist any further reporting to all three credit bureaus and have it removed.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12213508, and find that this resolution is satisfactory to me. 
Regards,
Nichole Nettles

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: $1,018.36 Dear Ms. [redacted]: This letter is in response to your correspondence received July 21, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on September 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 $1,018.36. Please review the following account information: 1. This account originated on April 16, 2015 [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $15.00 was received on May 2, 2016. 3. This account charged off on August 22, 2016 with a balance of $1,018.36. 4. No payments have been received on this account since Resurgent started servicing it in September 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 21, 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 April 13, 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. Ms. [redacted]’s July 21, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. 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, 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)

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted] Bank (USA), N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $10,568.06 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 3, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on May 19, 2008. 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 $10,568.06. Please review the following account information: 1. This account originated on October 1, 2003 with [redacted] Bank (USA), N.A. 2. This account charged off on April 24, 2008 with a balance of $5,727.92. 3. No payments have been received on this account since Resurgent started servicing it in May 2008. 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, LVNV is not reporting the account to the major consumer reporting agencies. 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. A judgment was obtained December 4, 2008 in the Commonwealth of [redacted], Bullitt Circuit Court Division with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If Ms. [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to that source. Enclosed is a copy of the judgment for your review. The judgment was recorded with the Commonwealth of [redacted], Bullitt Circuit Court and a lien was attached to the real estate owned by Ms. [redacted]. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 2, 2008. 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. 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]’s claim(s), we will take any necessary steps to resolve this account. If Ms. [redacted] has evidence that the account was written off, please send it to the address below. 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. If Ms. [redacted] is experiencing this type of involuntary hardship, we ask that she please 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 following address below. 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)

This letter is in response to your correspondence dated February 3, 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], LLC on or about February 18, 2009. As of the date of this communication, the account balance is $1,363.24. Please review the following account information: 1. This account originated on June 10, 2008 with [redacted] Bank, N.A. 2. This account charged off on January 16, 2009 with a balance of $626.48. 3. No payments have been received on this account since Resurgent started servicing it in February 2009. 4. Please find enclosed an account summary and bill statement on file for the 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, LVNV is not reporting the account to the major consumer reporting agencies. A request to delete the LVNV tradeline was submitted to the major consumer reporting agencies on or about May 2015. 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] claims Resurgent has not responded to his request for validation of the debt. Resurgent received a letter from Mr. [redacted] dated September 19, 2013 requesting validation of the debt. Verification of debt with validation was mailed to Mr. [redacted] on October 7, 2013 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for your review. Resurgent has not received a certified letter from Mr. [redacted], nor has Mr. [redacted] contacted our office by phone. 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...⇄ 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: [redacted] [redacted] 
[redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]

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

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated May 1, 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. Enclosed is a copy of the previous response to this complaint which provided Ms. [redacted] with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements on file for this account. 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 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 have determined that this does not resolve my complaint.  There is no contract between me  and the LVNV Funding LLC that binds me to pay them. As I hold no contract with...

LVNV Funding LCC, they have provided insufficient evidence. I request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
I do not accept the debt collector's response to my complaint as the information they are providing at this point...

comes too little too late.  Under Texas Finance Code they had up to 30 days to respond to my request for validation.  They did not respond within the specified time frame, and there is no evidence to prove their claim.  As a result of their negligence, I have suffered substantial actual damages.  I am respectfully requesting this information be removed from my credit reports.  I have made every effort to resolve this matter outside of presenting this case to a courtroom jury in my community.
Regards,
[redacted]

May 2, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted]...

[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number[redacted] Reference Number: [redacted] Current Balance: $4,262.37 [redacted] This letter is in response to your correspondence dated April 27, 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 April 17, 2008. As of the date of this communication, the account balance is $4,262.37. Please review the following account information: 1. This account originated on August 23, 2006 with [redacted] and was opened with [redacted] 2. This account charged off on February 29, 2008. 3. The last payment in the amount of $77.00 was received on August 22, 2007. 4. No payments have been received on this account since Resurgent started servicing it in April 2008. 5. Please find enclosed the credit application 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, LVNV is not reporting the account to the major consumer reporting agencies. [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 29, 2007. A request to delete the LVNV tradeline was submitted to the consumer reporting agencies on or about December 2013. [redacted] April 27, 2016 complaint 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. If M[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 [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Resurgent Capital Services L.P.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  This was done to a disabled lady, unable to pay any bills.  They where the ONLY vultures to do this, everone...

else wrote claims off.  Done without any notice.
 
Regards,
[redacted]

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 Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received January 22, 2018 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]’ January 22, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry, dated January 11, 2018, which is substantially the same as her January 22, 2018 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 responded to Ms. [redacted]’ October 25, 2017 correspondence providing her with verification of debt on November 6, 2017, which was within thirty (30) days of receipt of Ms. [redacted]’ correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act and applicable local and state requirements. 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 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.