LVNV Funding, LLC

This letter is in response to your correspondence dated February 17, 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...

subsequently acquired by LVNV on or about January 16, 2015. As of the date of this communication, the account balance is $951.77. Please review the following account information: 1. This account originated on October 7, 2012 with [redacted] 2. This account charged off on December 14, 2014 with a balance of $951.77. 3. The last payment in the amount of $75.00 was received on April 14, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2015. 5. Enclosed are the terms and conditions, bill statements and 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 [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 [redacted], 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. Our records indicate that a lawsuit, [redacted], was filed on August 12, 2015 in the [redacted], 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, 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 [redacted]. If [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: [redacted] 
[redacted] 
[redacted] 
[redacted] 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]

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

LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,649.88 Dear [redacted] This letter is in response to your correspondence dated March 1, 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 23, 2003. As of the date of this communication, the account balance is $2,649.88. Please review the following account information: 1. This account originated on April 1, 1990 with [redacted] and was opened with [redacted] 2. This account charged off on November 17, 1996 with a balance of $1,718.51. 3. The last payment in the amount of $966.70 was received on February 26, 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, LVNV is not reporting the account to the major consumer reporting agencies. Our records indicate the judgment obtained by the previous creditor was renewed on April 24, 2008 in the [redacted] – [redacted] Judicial District, with case number [redacted] Our records indicate that [redacted] was served the Notice of Renewal of Judgment by mail on March 31, 2008. Enclosed is a copy of the proof of service and judgment for your review. Additionally, one method in which a judgment may be executed is wage garnishment and, in the case of this account, a wage garnishment was conducted. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that 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. As part of our investigation, we have contacted the previous creditor regarding [redacted] claim the account was paid in 2005. If we learn anything to substantiate her claim, we will update the account accordingly. If [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. 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 [redacted] is experiencing this type of involuntary hardship, please provide us with evidence of the hardship or reliance on fixed income so that we may review your circumstances and take appropriate action. Evidence regarding hardships should be sent to the following address: 
[redacted] 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 5, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, 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 February 28, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on March 14, 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 June 30, 2016 with [redacted] Bank, N.A. The account charged off on February 10, 2017 with a balance of $818.73. No payments have been received on this account since it was acquired by LVNV. The current account balance is $818.73. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’ inquiry dated February 18, 2018 is the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 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 23, 2017 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. 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] [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) Page 1 of 2You have until June 14, 2017 to reach a resolution with us. If you haven't resolved your balance while your account is with us, it will be sent to a lawyer for review. We'd like to avoid this, and find a way to work together. Learn More.This is an important message for [redacted]. If you are not them, please disregard and delete it.Hi [redacted], This is [redacted] [redacted], and I'm your automated account manager here at [redacted]. I see that you have received quite a few emails from us, but we've not heard back from you about resolving your outstanding balance with LVNV Funding LLC (owner of your [redacted] Bank, N.A. balance). Do you have concerns about this past due account, or about how you can afford to pay it? I would be more than happy to go over the details with you at your earliest convenience, and if you want to review your options on your own first try our website! ( Click Here, Your account number is: [redacted]-[redacted] ) I am here to assist you with any questions or concerns that you may have. We can chat via phone or email, whichever is most comfortable for you. Reach out to me. I know this balance is on your radar. Let’s talk about it. Best, [redacted]The last payment on this account was on . The account went into default on Aug 9, 2016. It was charged-off on Feb 10, 2017. Please be advised that LVNV Funding LLC the Current Creditor-Debt Purchaser, has purchased the account referenced above.The breakdown of the balance is as follows: $818.73 in principal at time of purchase, which may include interest and fees; $0.00 in fees since purchase; and $0.00 in interest since purchase. LVNV Funding LLC account number ending in: [redacted]Copyright © 2017 [redacted] Street, Suite [redacted], [redacted], CA 941071-866-[redacted]Unsubscribe Dispute this debt Privacy PolicyTHIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.The State Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstance, collectors may not contact you before 8:00am or after 9:00pm PST. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or Page 2 of 2have a reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.You can view your Gramm-Leach-Bliley Privacy Rights by clicking here.Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have.ACCOUNT SUMMARY REPORT3/6/2018 12:24:32 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: CA Account Number XXXXXXXXXXXX[redacted]Zip Code: 953446-0609 Current Balance Due $818.73Date of Default 08/09/2016Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 06/30/2016The charge-off creditor for this account was: [redacted] Bank, N.A.The address of the charge-off creditor was: P.O. Box [redacted] Las Vegas, NV 89193The account charge-off date was: 02/10/2017The account charge-off amount was: $818.73The account was acquired on or about: 03/14/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $818.73The borrower's address from charge-off [redacted] WAY creditor's records: [redacted], CA 95973-0609This 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 2ACCOUNT SUMMARY REPORT3/6/2018 12:24:32 PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address03/14/2017 [redacted] Bank, N.A. P.O. Box [redacted] Las Vegas, NV 8919303/14/2017 [redacted], LLC [redacted] Road Suite [redacted]Las Vegas, NV 8911303/14/2017 [redacted] Originator III LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LP03/14/2017 [redacted] Originator LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPLVNV Funding LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPPage 2 of 2

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,This does not prove that this was me who open this so call [redacted] account I've never did any...

business with this company nether with [redacted] you never tried to contact me on this matter the only how I found out about [redacted] was because of my credit report never received any mail or phone call from this company you pick up a so called debt from a company that you say I owe from YEARS ago and want me to show proof of fraud come on I would like for this company to remove themselves from my credit report as soon as possible or tell [redacted] to contact me personally to resolve this fraudulent matter 
[redacted]

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: $1,062.41 Dear Ms. [redacted]: This...

letter is in response to your correspondence dated February 28, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 13, 2012. 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 $1,062.41. Please review the following account information: 1. This account originated on March 14, 2011 with [redacted] Bank, N.A. 2. The last payment in the amount of $155.00 was received on May 20, 2011. 3. This account charged off on January 20, 2012 with a balance of $675.93. 4. No payments have been received on this account since Resurgent started servicing it in February 2012. 5. Enclosed are bill statements and 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. Our records do not indicate that a request to delete the LVNV tradeline for this account was previously submitted to the consumer reporting agencies. 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. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Our records indicate that Mr. [redacted] called into our office on March 1, 2017. During the call, Mr. [redacted] offered to settle the account in the amount of $200.00. Unfortunately we were unable to accept his settlement offer, however, we appreciate Mr. [redacted]’s willingness to pay this account and therefore would like to offer to satisfy in full for $500.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies. Payments may be mailed to the following address or Mr. [redacted] you may contact Customer Service at [redacted] to make payments by phone. If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the account. Resurgent Capital Services L.P. P.O. Box [redacted] Greenville, SC 29603 If payment is not received by March 20, 2017, 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, 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: [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-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosures

[redacted] 
[redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM August 16, 2016 [redacted] Revdex.com of Upstate South...

Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] Dear [redacted] This letter is in response to your correspondence dated August 15, 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 December 15, 2014. As of the date of this communication, the account balance is $846.22. Please review the following account information: 1. This account originated on April 2, 2012 with [redacted] 2. This account charged off on November 24, 2014 with a balance of $842.53. 3. The last payment in the amount of $5.50 was received on March 3, 2014. 4. No payments have been received on this account since Resurgent started servicing it in December 2014. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Based on information contained in our account records, the tradeline for this account should not be deleted. It will continue to report for the remaining reporting period unless new facts require a change. Resurgent received the multiple electronic disputes that [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. The enclosed letter containing the validation notice was previously mailed to [redacted] on December 16, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Furthermore, Resurgent also provided verification in response to [redacted] previous Revdex.com inquiry submitted on August 21, 2015. This account has been properly verified, as required by the FDCPA. As a follow up to [redacted] previous inquiry, enclosed please find the charge off statement, terms and conditions, and an account summary on file for this account. We are confident the information provided is sufficient to resolve this complaint. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ [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: [redacted] 
[redacted] 
[redacted] 
[redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/16/2016 11:40:40 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account Information[redacted] LLC[redacted]Zip Code: [redacted] Date of Last Payment 03/03/2014Current Balance Due $846.22Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 04/02/2012The account charge-off date was: 11/24/2014The account charge-off amount was: $842.53The account was acquired on or about: 12/15/2014The account was acquired from: [redacted]The account balance at time of acquisition: $842.53This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated December 11, 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. LVNV is licensed where appropriate. 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. Our previous response to Ms. [redacted]’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified 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.

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: $524.92 Dear Ms. [redacted]: This...

letter is in response to your correspondence dated July 17, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $524.92. Please review the following account information: 1. This account originated on May 18, 2016 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 25, 2016 with a balance of $524.92. 3. No payments have been received on this account since Resurgent started servicing it in January 2017. 4. Please find enclosed the terms and conditions, bill statements, and an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. 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 June 23, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March 2023. Our records do not indicate that we have received a request for verification from Ms. [redacted]. Our records indicate the only communication we have received from Ms. [redacted] was a notice requesting that we cease communication with her to this office that was received on June 8, 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. This response provides Ms. [redacted] with verification of the debt. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT7/24/2017 12:11:10 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48184-1062 Current Balance Due $524.92Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/18/2016The account charge-off date was: 12/25/2016The account charge-off amount was: $524.92The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $524.92This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1

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

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 February 5, 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. Resurgent has received and reviewed Mr. [redacted]’s February 5, 2018 dispute. Our records indicate that we have already received and responded to four previous inquiries submitted through the Revdex.com and the Consumer Financial Protection Bureau which are substantially the same as his February 5, 2018 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Verification of debt as required by the Fair Debt Collection Practices Act (“FDCPA”) has been provided to Mr. [redacted] in our previous responses to his inquiries. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Mr. [redacted] would like further clarification, we encourage him to contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.

March 8, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank (SB),...

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 1, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on September 20, 2004. 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 April 16, 2003 with [redacted] (SB), N.A. and was opened with [redacted]. The last payment in the amount of $552.00 was received on November 18, 2011. The account charged off on August 31, 2004. As of the date of this communication, the current account balance is $7,246.06. 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, as the permissible reporting period for the account has expired. 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. A judgment was obtained February 7, 2008 in the Justice Court Precinct 1, Place 2, [redacted] County, Texas with case number [redacted], and was renewed on January 22, 2018 by Writ of Execution. Enclosed is a copy of the court docket showing the judgment and Writ of Execution for your review. One method in which a judgment may be executed is a garnishment, and in this case, a garnishment was initiated by our third-party servicer. 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 address below. 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. Our servicer’s records indicate that the enclosed identity theft affidavit was sent to Ms. [redacted] on March 5, 2018. 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 our servicer at 855-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted] [redacted], P.C.P.O. Box [redacted], Texas 75011-5220[redacted] Park Dr[redacted], TX 77073[redacted] [redacted], PCLICENSED IN AL, CA, DC, MD, NY, PA, SC, TN, TX, & VAATTORNEYS AT LAWPO Box [redacted], Texas 75011-5220NYC Dept. of Consumer Affairs Lic. Nos [redacted] and [redacted]March 5, 2018[redacted] Park Dr[redacted], TX 77073Our File No: [redacted]Original Creditor: [redacted] (Sb), N.A.LVNV Funding LLC v. [redacted] [redacted] - Cause No. [redacted] in the Justice Court,[redacted] [redacted] County, TXDear [redacted] [redacted]:This letter is written as a followup to your recent correspondence. It is our understanding that you believe thatyou do not owe the debt because of either fraud or the theft of your identification. If, in fact, you do not owethis debt, we would like to resolve this matter as quickly so that we may report this information back to ourclient and close the account. However, in order to do so, we need to obtain some additional information toassist us in making that determination.We are enclosing two documents, a Fraud Questionnaire and an Affidavit of Fraud. Failing to respond to thisletter, either by returning the questionnaire/affidavit or by calling our office to discuss this matter further, maybe taken into account in determining whether or not fraud is involved. Also, the more information that we canput together for our Client, the better. If you have made a police report or previously sent a letter disputing theaccount or the charges, that too will help.Please return the enclosed documents plus any additional information to our office at your earliestconvenience.Sincerely,[redacted] [redacted], PCEnclosuresLEGAL NOTICE

RE: [redacted]; Revdex.com Case #: [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 January 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 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 April 30, 2014 with [redacted] Bank, N.A. (“[redacted]”). The last payment in the amount of $77.95 was received on January 4, 2015. The account charged off on August 6, 2015 with a balance of $1,046.39. The current account balance is $1,046.39. 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 February 5, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November 2021 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. We are enclosing a letter sent to Mr. [redacted] by our servicer on September 18, 2015, informing him that a negative credit bureau report may be submitted. The enclosed letter containing verification of debt was mailed to Mr. [redacted] on September 21, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. We are enclosing additional bill statements and terms and conditions on file for your review. 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] [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)

November 13, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]. [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: $1,182.40 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 7, 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 $1,182.40. Please review the following account information: 1. This account originated on August 15, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $37.24 was received on January 17, 2016. 3. This account charged off on August 22, 2016 with a balance of $1,024.36. 4. No payments have been received on this account since Resurgent started servicing it in September 2016. 5. Enclosed are bill statements and the terms and conditions on file for this account. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The March 21, 2015 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. 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 February 21, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November 2022. A judgment was obtained in the Commonwealth of Pennsylvania, County of [redacted] with case number [redacted]2017. Our records indicate that Mr. [redacted] was properly served the summons and complaint. Enclosed is a copy of the judgment for your review. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to that source. Please be advised that as of the date of this communication, the current balance of $1,182.40 includes $104.50 in judgment costs, $38.29 in post-judgement interest, and $15.25 in court fees. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of mishandlings alleged in Mr. [redacted]’s inquiry. We listened to the call recording between Mr. [redacted] and our third-party servicer and respectfully disagree with Mr. [redacted]’s assertion that the call was threatening. We apologize for any inconvenience. Mr. [redacted]’s November 7, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. We hope our response addresses Mr. [redacted]’s concerns. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Financial Services Of Indiana, Inc. Original Creditor: [redacted] Financial Services, Inc. (formerly known as “[redacted] Finance”) Current Owner: LVNV Funding LLC Account Number:...

[redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated April 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 7, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate the first communication we received from Mr. [redacted] was a letter dated March 20, 2017 that was received by our office on March 30, 2017. The account was accordingly placed into a dispute status and an investigation began into Mr. [redacted]’s claim. Upon receipt of his inquiry with the Revdex.com, the Compliance department conducted a review of the documentation that Mr. [redacted] provided in March, as well as the documentation he provided with his Revdex.com inquiry. After investigation, we have closed the account due to fraud. Mr. [redacted] should no longer be contacted by Resurgent or any affiliate companies regarding this account. Separately, a request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies in March 2017 as the permissible reporting period for credit reporting expired for this account. We apologize for any inconvenience Mr. [redacted] may have experienced. 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.

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. 
Any alleged agreement was not transferred to LVNV FUNDING and that I have no contact with them and I requested...

proof of a signed contract delegating an agreement between myself and LVNV funding in regard to the alleged debt.
Regards,
[redacted]

Dear Ms. [redacted]: This letter is in response to your correspondence dated March...

20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on October 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please review the following account information: 1. This account originated on March 21, 2016 with [redacted] and was opened with [redacted] [redacted]. 2. This account charged off on September 4, 2016 with a balance of $231.99. 3. The last payment in the amount of $185.59 was received on January 25, 2017. We have verified that this account was satisfied in full on January 25, 2017 for $185.59. The status of the account was updated to “Satisfied in Full” on or about February 16, 2017. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding the 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 in March 2017. The LVNV tradeline is currently accurately reporting as a paid collection. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. However, as a courtesy, a request to delete the LVNV tradeline will be submitted to the three major credit reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. We recognize that Ms. [redacted] previously sent emails to our Customer Service department regarding this account. Please be advised that Resurgent does not correspond with customers via electronic mail. This response shall serve as our formal response to Ms. [redacted]’s electronic correspondence. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.

This letter is in response to your correspondence dated February 17, 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 subsequently acquired by LVNV on or about January 16, 2015. As of the date of this communication, the account balance is $951.77. Please review the following account information: 1. This account originated on October 7, 2012 with [redacted] 2. This account charged off on December 14, 2014 with a balance of $951.77. 3. The last payment in the amount of $75.00 was received on April 14, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2015. 5. Enclosed are the terms and conditions, bill statements and 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 [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 [redacted], 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. Our records indicate that a lawsuit[redacted], was filed on August 12, 2015 in the [redacted] [redacted] for the [redacted] 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, 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 [redacted] [redacted] If [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: [redacted] [redacted]e [redacted] [redacted] 
[redacted] Sincerely, [redacted]

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

response to your correspondence dated July 27, 2016 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the three referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: [redacted] [redacted] [redacted] 1. This account originated on June 2, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on November 13, 2008 with a balance of $237.48. 3. LVNV acquired this account on December 30, 2008. 4. The last payment was received on April 8, 2008. 5. No payments have been received on this account since Resurgent started servicing it in December 2008. 6. The current balance of this account is $1,595.67. 7. Enclosed is an account summary on file for the account. [redacted] [redacted] [redacted] 1. This account originated on July 12, 2004 with [redacted] 2. This account charged off on November 30, 2007. 3. LVNV acquired this account on September 23, 2011. 4. The last payment in the amount of $50.00 was received on December 7, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $4,695.13. 7. Enclosed is an account summary on file for this account. [redacted] [redacted] [redacted] 1. This account originated on December 10, 2003 with [redacted] N.A. and was opened with [redacted] 2. This account charged off on November 13, 2007. 3. LVNV acquired the account on September 23, 2011. 4. The last payment in the amount of $20.00 was received on December 13, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $959.07. 7. Enclosed is an account summary on file for this account. All ownership rights in these accounts were transferred to LVNV when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the accounts are eligible for credit reporting. Currently, LVNV is not reporting the accounts to the major consumer reporting agencies. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or his/her responsibility for the balances due on these accounts. [redacted] July 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 accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes these accounts are 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...⇄ [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] [redacted] [redacted] [redacted] If you have any further questions, comments or concerns, please contact Customer Service [redacted] Sincerely, 
[redacted] [redacted] Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account Information[redacted]ing LLC[redacted] [redacted] [redacted] [redacted]Date of Last Payment 04/08/2008Current Balance SummaryOwed Collected BalancePrincipal $726.87 - $726.87Interest $868.80 - $868.80Total $1,595.67 - $1,595.67[redacted] The current balance due on this account is: $1,595.67 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 06/02/2004The account charge-off date was: 11/13/2008The account charge-off amount was: $237.48The account was acquired on or about: 12/30/2008The account was acquired from: [redacted]The account balance at time of acquisition: $726.87This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account Information[redacted] [redacted] [redacted]Zip Code: 91786-3120 Date of Last Payment 12/07/2007Current Balance SummaryOwed Collected BalancePrincipal $3,312.75 - $3,312.75Interest $1,382.38 - $1,382.38Total $4,695.13 - $4,695.13[redacted] The current balance due on this account is: $4,695.13 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at 1[redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 07/12/2004The account charge-off date was: 11/30/2007The account was acquired on or about: 09/23/2011The account was acquired from[redacted]The account balance at time of acquisition: $3,927.01This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:14 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account Information[redacted] [redacted] [redacted]Date of Last Payment 12/13/2007Current Balance SummaryOwed Collected BalancePrincipal $762.95 - $762.95Interest $196.12 - $196.12Total $959.07 - $959.07[redacted] The current balance due on this account is: $959.07 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us a[redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 12/10/2003The account charge-off date was: 11/13/2007The account was acquired on or about: 09/23/2011The account was acquired from: [redacted]The account balance at time of acquisition: $782.14This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Please see attached.

October 25, 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: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 20, 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, 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 23, 2017 advising that information may be reported to the consumer reporting agencies if the debt is not paid. Our previous response to Mr. [redacted]’s inquiry provided him with verification of debt 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. As advised in our previous response, 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 Mr. [redacted] is experiencing this type of involuntary hardship, we ask that he please provide us with evidence of the hardship or reliance on fixed income so that we may review his circumstances and take appropriate action. Evidence regarding hardships should be sent to the following address: Compliance Department or Fax: 866-[redacted] [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)

Please see the attached response.June 22, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $970.51 Dear [redacted] This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about July 11, 2013. As of the date of this communication, the account balance is $970.51. Please review the following account information: 1. This account originated on October 31, 2010, with [redacted] 2. This account charged off on June 6, 2013, with a balance of $819.61. 3. The last payment in the amount of $25.00 was received on December 20, 2012. 4. No payments have been received on this account since Resurgent started servicing it in July 2013. 5. Enclosed are bill statements, terms and conditions and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent utilizes third party collection agencies to service accounts on its behalf. Our servicer received the enclosed Revdex.com (“Revdex.com”) inquiry dated May 31, 2014, which is substantially the same as the correspondence received June 22, 2015. Enclosed is our servicer’s response to the Revdex.com inquiry dated June 4, 2014. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. However, no calls have been made regarding this account since Resurgent placed the account in a cease status on June 11, 2014. Furthermore, Resurgent has not received any correspondence directly from [redacted]. If, after review of the above-referenced information, [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 this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)