LVNV Funding, LLC

[redacted] 
[redacted] Previous Creditor: [redacted] Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number:...

[redacted] Current Balance: $255.09 Dear [redacted] This letter is in response to your correspondence, dated March 2, 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 March 21, 2014. As of the date of this communication, the account balance is $255.09. Please review the following account information: 1. This account originated on October 9, 2009 with [redacted] 2. This account charged off on August 10, 2011 with a balance of $242.22. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed please find an account summary 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, 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/her 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. The term “open” in [redacted] credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If [redacted] has additional questions related to the credit reporting, then he/she will need to contact the appropriate consumer reporting agencies. Resurgent previously received a letter from [redacted], dated August 12, 2015, which contained language we interpreted to request that we cease contact with him/her. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Our records reflect that [redacted] called in to Resurgent on February 29, 2016, lifted the cease and desist, and requested to satisfy the account for less than the full balance. [redacted] was provided an offer of $190.00 to satisfy the account, and the enclosed letter confirming that offer was sent to [redacted] on or about March 1, 2016. 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 [redacted] claim(s), we will take any necessary steps to resolve this account. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: [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. Enclosures ACCOUNT SUMMARY REPORT3/8/2016 10:34:36 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted]City: [redacted] Original Creditor [redacted] State: GA Inc.Zip Code: [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $242.22 - $242.22Interest $12.87 - $12.87Total $255.09 - $255.09[redacted] The current balance due on this account is: $255.09 [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: 10/09/2009The account charge-off date was: 08/10/2011The account charge-off amount was: $242.22The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $242.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.

Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $8,346.51 Dear [redacted] This letter is in response to your correspondence dated April 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 b[redacted]. on or about December 23, 2015. As of the date of this communication, the account balance is $8,346.51. Please review the following account information: 1. This account originated on June 20, 2012 with [redacted] and was opened with [redacted] 2. This account charged off on April 23, 2013 with a balance of $8,346.51. 3. No payments have been received on this account since Resurgent started servicing it in December 2015. 4. Enclosed please find copies of the [redacted] and [redacted]” and a letter advising you of the deficiency after the repossession sale. [redacted] complaint dated April 1, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted]), 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 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. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/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 [redacted] website: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her 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/her 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.

Re: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: XXXXXXXXXXXX[redacted] Reference Number: [redacted] Amount Due at Charge-Off: $586.26 Interest Accrued Post...

Charge-Off: $0.00 Non-Interest Charges/Fees Post Charge-Off: $0.00 Amount of Payments Made Post Charge-Off: $0.00 Current Balance: $586.26 Dear Ms. [redacted]: This letter is in response to your correspondence dated September 16, 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 March 11, 2015. As of the date of this communication, the account balance is $586.26. Please review the following account information: 1. This account originated on May 16, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $59.95 was received on July 11, 2014. 3. This account charged off on February 27, 2015 with a balance of $586.26. 4. No payments have been received on this account since Resurgent started servicing it in March 2015. 5. Enclosed are the terms and conditions, bill statements and an account summary on file for this account. We note that the bill statements show a history of purchases and payments on this account, and that the address on the bill statements is the same address Mr. [redacted] provides as his address in his Revdex.com inquiry. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr. [redacted] states that Resurgent did not respond to his [redacted] (“[redacted]”) inquiry within 30 days. Please be advised, Resurgent has the option to request additional time to investigate a CFPB inquiry which provides Resurgent 60 days from receipt of the inquiry to respond. We apologize for any inconvenience Mr. [redacted] may have experienced. Additionally, Mr. [redacted] states in his Revdex.com inquiry that he “contacted this company and requested a signed contract or agreement with this company between them and myself and they refuse to provide one.” Our records indicate that the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] was his [redacted] inquiry received on August 3, 2016. [redacted] state regulations require us to inform Mr. [redacted] that he has the right to request substantiation of this debt. His request for substantiation must be in writing, and must include the Reference Number provided above and a clear statement that he is requesting substantiation of the debt. He may submit his written request by mail to: Resurgent Capital Services L.P., P.O. Box [redacted], MS [redacted], SC 29603. 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: Complaint Department or Fax: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC [redacted] If you have any further questions, comments or concerns, please contact Customer Service at 1-888[redacted]. Sincerely, 
T. Howell Complaint Department Resurgent Capital Services L.P. Enclosures

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received August 16, 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 Mr. [redacted]’s August 16, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated August 8, 2017 which is substantially the same as his August 16, 2017 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our response to Mr. [redacted]’s previous inquiry, 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. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $570.76 Dear Ms. [redacted]: This letter is in response to your correspondence received July 27, 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 $570.76. Please review the following account information: 1. This account originated on September 27, 2015 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $253.94 was received on April 20, 2016. 3. This account charged off on December 4, 2016 with a balance of $570.76. 4. No payments have been received on this account since Resurgent started servicing it in January 2017. 5. Enclosed are bill statements, terms and conditions, 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. The consumer reporting agencies’ reporting guidelines define a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is accurate in this situation and the account is being reported correctly according to that definition. 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 February 21, 2017 advising that information may be reported to the consumer reporting agencies if the debt is not paid. This letter also includes the validation notice. Ms. [redacted]’ July 27, 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] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

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

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: $873.31 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 30, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 13, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $873.31. Please review the following account information: 1. This account originated on December 21, 2014 with [redacted] Bank, N.A (“[redacted]”). 2. The last payment in the amount of $62.95 was received on February 3, 2015. 3. This account charged off on July 27, 2015 with a balance of $873.31. 4. No payments have been received on this account since Resurgent started servicing it in August 2015. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. 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 January 26, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October 2021. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframe. The FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customer. Resurgent did stop collection efforts once we received Ms. [redacted]’ request, and did not resume those efforts until we provided her with a verification response. Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms. [redacted] on August 21, 2017 in response to her Consumer Financial Protection Bureau inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary that were provided with our response are enclosed for reference. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on November 27, 2016. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] 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)

Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and have determined that this does not resolve my complaint. 
[redacted] [redacted] [redacted]
Regards,
[redacted]

Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM June 8, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: [redacted] Account Number: [redacted] Reference Number: [redacted] Current Balance: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 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]C on or about April 12, 2016. As of the date of this communication, the account balance is $626.16. Please review the following account information: 1. This account originated on October 31, 2014 with [redacted] 2. This account charged off on March 6, 2016 with a balance of $626.16. 3. The last payment in the amount of $59.95 was received on July 10, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] complaint dated June 7, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted]”), 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. We are providing the enclosed terms and conditions, bill statements and account summary as verification of debt in accordance with the [redacted])), and applicable state and local requirements. Please note that the bill statements include statements from prior account numbers [redacted] and [redacted], which were reported lost or stolen, until the balance from the account ending in [redacted] was transferred onto the current account, ending in [redacted], on December 10, 2014. If, after reviewing the above-referenced information, Saniyyah Holt believes this account is fraudulent, we ask that he/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: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her 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/her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] 
[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. Enclosures ACCOUNT SUMMARY REPORT6/8/2016 10:30:54 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted]Address: [redacted] [redacted]City: [redacted]State: [redacted]Zip Code: [redacted] Date of Last Payment 07/10/2015Current Balance SummaryOwed Collected BalancePrincipal $626.16 - $626.16Total $626.16 - $626.16[redacted] The current balance due on this account is: $626.16 [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: 10/31/2014The account charge-off date was: 03/06/2016The account charge-off amount was: $626.16The account was acquired on or about: 04/12/2016The account was acquired from: [redacted]The account balance at time of acquisition: $626.16This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.

I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with LVNV FUNDING LLC

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.  Thank you for your quick response and resolution to the matter.
Regards,
[redacted]

March 2, 2017 [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] Associates, Inc. Original Creditor: [redacted] Corporation of Texas Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated February 21, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate Ms. [redacted] contacted Resurgent on March 2, 2017 and paid $400.00 to settle this account in full. The account status was updated to “settled in full.” The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline to reflect this account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 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.

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 sincerely appreciate you taking the time to send this information.However, I am not looking for proof that LVNV...

Funding owns this debt, I want proof that this debt is mine. The documents sent are evidence that LVNV funding owns this debt. Please send evidence that this debt belongs to me.Thank you in advance for your time and cooperation.
Regards,
[redacted]

[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 [redacted] dated July 14, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. As advised in our previous response, verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 in compliance with the Fair Debt Collections Practices Act (“FDCPA”). Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P.

This letter is in response to your correspondence dated January 26, 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 November 17, 2009. Please review the following account information: 1. This account originated on August 15, 2007 with [redacted] Bank, N.A. 2. This account charged off on October 21, 2009 with a balance of $1,046.10. 3. The last payment in the amount of $64.24 was received on August 14, 2015. 4. Payments totaling $1,844.98 have been received since Resurgent started servicing the account in November 2009. 5. Enclosed is a bill statement on file 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. The account is currently being reported to the credit bureaus as “Account Paid in Full.” Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. Mr. [redacted]’s letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is April 20, 2009. In his complaint, Mr. [redacted] claims to have sent certified letters requesting proof of the debt. However, Mr. [redacted]’s complaint dated January 26, 2016 is the first written communication that Resurgent has received from him regarding the above-referenced account. Resurgent did receive a letter dated January 11, 2016 from Mr. [redacted] on January 27, 2016 requesting verification of the debt. However, that letter also included language we interpreted to mean that Mr. [redacted] wished our office to cease communication with him. As a result, no further communication, written or otherwise, will be sent to Mr. [redacted] by Resurgent or any affiliate company. A judgment was obtained October 28, 2013 in [redacted] District Court, [redacted] County, Kentucky with case number [redacted]. Court records indicate that Mr. [redacted] was served the summons and complaint on August 15, 2013. Enclosed is a copy of the judgment for your review. We have confirmed that Mr. [redacted]’s account was still within his state’s statute of limitations when the lawsuit was filed. 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. Enclosed please find a copy of the Order of Wage Garnishment Release. Additionally, we have verified this account was paid in full on August 14, 2015 with payments received in the total of amount of $1,844.98. A request was sent to the court to satisfy the judgment. Please see the enclosed Order of Satisfaction. 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. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

Hello Cindy,I received the letter from LVNV and tried to reply with a rejection, but it continued to error when I tried to submit my response. Please find my response below with the attachment.Statements that were never sent to my address but rather on paperless billing with fraudualant charges does...

not support this is not fraudulant. I would like receipts showing my signature, a contract with my signature, and all statements from the start of the account in June 2012. The purchases on these statements are not mine, nor are the payments.  I have already sent in a fraud affidavit, a police report incident number including the police officers name and phone number, and an identity theft report from the FTC. March 21st was not my first coorespondence with this company and is a flat out lie. I called in January when I first noticed this on my credit report. I disputed it on my credit report and also I sent over a fraud affadavit as well as the FTC report via fax on February 9th to the fax number provided of 866-[redacted] with no response except for another request for collection. I against sent it March 26th via fax to Gregg Morris, ESQ (attorney for LVNV) at fax number [redacted].I spoke with Gregg M[redacted] today at phone number [redacted] who stated he did receive my FTC report, police report incident number with name of agency, officer, and phone number, and my fraud affidavit. He advisex he had already sent it to the company for review and asked for me to call tomorrow as they have not responded. It was sent over to the company for the 3rd time and still they act as if theu never received it. This company is holding up a mortgage for me, and is refusing to handle the fraudulant charges and account on my credit appropriately and in a timely manner. Attached here is yet another coorspondence I sent to the company 2 days ago. I expect a letter stating the company has deleted the account from all 3 of my credit reports, has closed the account with a zero balance, and has ceased all collection efforts on this account. I need this letter immediately as this had been almost 2 months since they first received all of my information requested. Further more, I can not have a dispute reported on my credit file. I requested that this not be put in as a dispute on my credit report, but rather a deletion. This company is further messing up my mortgage process intentionally. If this is not handled within 72 hours, I will be contacting the media,  the Consumer Financial Protection Bureau, the states Attorney General, and file an official complaint against the company with the Federal Trade Commission per the Federal Trade Commissions advisement.Please help me with this matter Cindy. Thany you,[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: $816.71 Dear Ms. [redacted]: This...

letter is in response to your correspondence dated July 12, 2017, and received 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 $816.71. Please review the following account information: 1. This account originated on May 1, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 7, 2016 with a balance of $1,306.71. 3. The last payment in the amount of $98.00 was received on June 15, 2017. 4. Enclosed are bill statements, terms and conditions, 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 will respond in a timely manner and provide the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Regarding Ms. [redacted]’s statement that Resurgent “sold this debt” to [redacted] and [redacted], Inc. (“[redacted]), please be advised that Resurgent did not sell this account to [redacted]. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. Resurgent placed this account with [redacted] for servicing. However, this account was recalled from [redacted] due to the electronic credit bureau dispute that Ms. [redacted] submitted through one or more consumer reporting agencies in June 2017. We apologize for any inconvenience Ms. [redacted] may have experienced. We recognize that Ms. [redacted] reached a payment agreement with our third-party servicer to pay $490.00 to satisfy the remaining balance on the account. We appreciate Ms. [redacted]’s willingness to pay this account and will honor the payment arrangement Ms. [redacted] made with our third-party servicer for $490.00. The balance may be broken into two monthly payments in the amount of $245.00. 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. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reporting accurately to the three major credit reporting agencies. Payments may be mailed to the following address, or Ms. [redacted] may contact Customer Service at 888-[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. P.O. Box [redacted] Greenville, SC 29603 If payment is not received by the 7th of each month, starting in August 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. Resurgent will also mail Ms. [redacted] a letter confirming the details of the payment arrangement. 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 REPORT7/22/2017 11:01:51 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: 6[redacted] St Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: PA Account Number XXXXXXXXXXXX[redacted]Zip Code: [redacted] Current Balance Due $816.71Date of Last Payment 06/15/2017Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/01/2014The account charge-off date was: 12/07/2016The account charge-off amount was: $1,306.71The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $1,306.71This 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

Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $173.95 Dear Ms. [redacted] This letter is in response to your...

correspondence dated February 28, 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 March 21, 2014. As of the date of this communication, the account balance is $173.95. Please review the following account information: 1. This account originated on February 23, 2009 with [redacted] Communications, Inc. 2. This account charged off on July 29, 2011 with a balance of $163.99. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed is an account summary 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, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the [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. [redacted] February 28, 2016 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. 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] website: [redacted] For convenience, a blank copy is enclosed. 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: Compliance Department or Fax: [redacted] [redacted] [redacted] [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. Enclosure ACCOUNT SUMMARY REPORT3/4/2016 2:38:50 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] [redacted]City: [redacted] Original Creditor [redacted] Communications, State: KY Inc.Zip Code[redacted] Account Number [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $163.99 - $163.99Interest $9.96 - $9.96Total $173.95 - $173.95[redacted] The current balance due on this account is: $173.95 [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: 02/23/2009The account charge-off date was: 07/29/2011The account charge-off amount was: $163.99The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $163.99This 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $647.21 Dear Ms. [redacted]: This letter is in response to your correspondence received May 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 12, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $647.21. Please review the following account information: 1. This account originated on January 30, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $34.95 was received on May 8, 2014. 3. This account charged off on January 6, 2015 with a balance of $647.21. 4. No payments have been received on this account since Resurgent started servicing it in February 2015. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that 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. The enclosed letter containing verification of debt was mailed to Mr. [redacted] on May 4, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). In response to Mr. [redacted]’s certified letter received on March 28, 2017, the enclosed letters dated March 30, 2017 were sent to Mr. [redacted], well within thirty (30) days of receipt of his inquiry. Additionally, we are enclosing additional bill statements and the terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. We have confirmed that Mr. [redacted]’s account is still within his state’s statute of limitations. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

RE: [redacted]; Case/File No. 12393577 Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $639.04 Dear Ms. [redacted]: This letter is...

in response to your correspondence received September 19, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 17, 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 $639.04. Please review the following account information: 1. This account originated on March 30, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $25.00 was received on June 4, 2015. 3. This account charged off on January 5, 2016 with a balance of $639.04. 4. No payments have been received on this account since Resurgent started servicing it in February 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. Credit One charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is July 3, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on November 1, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 27, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [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, 
[redacted]ackson Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT9/22/2017 12:06:53 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] Blvd Apt * Reference # [redacted]City: Sacramento Original Creditor [redacted] Bank, N.A.State: CA Account Number XXXXXXXXXXXX[redacted]Zip Code: 95838-4038 Current Balance Due $639.04Date of Last Payment 06/04/2015Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 03/30/2014The charge-off creditor for this account was: [redacted] Bank, N.A.The address of the charge-off creditor was: P.O. Box [redacted] [redacted], NV 89193The account charge-off date was: 01/05/2016The account charge-off amount was: $639.04The account was acquired on or about: 02/17/2016The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $639.04The borrower's address from charge-off [redacted] BLVD APT * creditor's records: [redacted], CA 95838-4038This 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 REPORT9/22/2017 12:06:53 PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address02/17/2016 [redacted] Bank, N.A. P.O. Box [redacted] [redacted], NV 8919302/17/2016 [redacted], LLC P.O. Box [redacted] [redacted], NV 89193-887302/17/2016 [redacted] Originator III LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LP02/17/2016 [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