Resurgent Capital Services LP

[redacted] Toll Free Phone [redacted] Greenville, SC Toll Free Fax [redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM November 26, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $13,Dear [redacted] : This letter is in response to your correspondence dated November 24, regarding the above referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about April 27, As of the date of this communication, the account balance is $13,Please review the following account information: This account originated on February 24, with [redacted] This account charged off on July 29, with a balance of $9,The last payment in the amount of $was received on October 29, No payments have been received on this account since Resurgent started servicing it in April An account summary is enclosed for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)As the legal time limit for bureau reporting is approaching on this account, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus [redacted] letter asserts that LVNV “re-ages” accountsWe believe she means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrectIt is likely that she believes that the “Open Date” is used as the starting point in the calculation of the seven year period that her debt's derogatory account can remain on her credit reportThis is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchasedThe “Open Date” is not used in calculating the seven year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven year reporting periodThe “Date of First Delinquency” for this account is March 29, Our records indicate a lawsuit was filed in the [redacted] Office, [redacted] , Case No [redacted] and was dismissed without prejudiceThe dismissal means the case could have been re-filed at a future date if the statute of limitations for seeking legal action had not already expiredHowever, the account balance is still collectibleExpiration of the statute of limitations does not invalidate the obligation or your responsibility for the balance due on this accountIf, 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***., concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure ACCOUNT SUMMARY REPORT11/26/1:30:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted] City: Middle River Original Creditor [redacted] ***.State: MD Account Number [redacted] Zip Code: [redacted] Date of Last Payment 10/29/2007Current Balance SummaryOwed Collected BalancePrincipal $9,- $9,800.50Interest $3,- $3,279.22Total $13,- $13,[redacted] The current balance due on this account is: $13,***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: 02/24/2006The account charge-off date was: 07/29/2008The account charge-off amount was: $9,800.50The account was acquired on or about: 04/27/2009The account was acquired from: [redacted] ***.The account balance at time of acquisition: $9,800.50This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose

February 9, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear [redacted] This letter is in response to your correspondence dated February 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about June 9, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on October 11, with [redacted] *** This account charged off on May 19, with a balance of $No payments have been received on this account since Resurgent started servicing it in June Please find bill statements and an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesWe would like to offer to settle this account in full for $The settlement may be broken into three monthly payments, two payments in the amount of $and one in the amount of $Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled 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 agenciesPayments may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payments by phoneIf mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the accountResurgent Capital Services L.P [redacted] *** Greenville, SC If payment is not received by the 15th of each month, starting March 2015, this account may be placed for further collections, and this settlement agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous settlement arrangements have been madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] -*** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

February 19, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Numbers: [redacted] , [redacted] Dear [redacted] : This letter is in response to your correspondence dated February 11, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two above-referenced accounts for [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ** This account originated on August 13, with [redacted] **This account charged off on February 14, This account was purchased from [redacted] , LLC on September 23, The last payment in the amount of $was received on October 14, No payments have been received on this account since Resurgent started servicing it in September The current balance of this account is $ [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired for these accountsHowever, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] ’s responsibility for the balances due on these accountsPlease find enclosed an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on March 24, with [redacted] ***and was opened with [redacted] IncThis account charged off on May 31, This account was purchased from [redacted] , LLC on September 23, The last payment in the amount of $was received on May 2, One payment has been received on this account since Resurgent started servicing it in September The current balance of this account is $A judgment was obtained June 28, in the State of [redacted] 40th District Court, [redacted] County with case number [redacted] Our records indicate [redacted] was served the summons and complaint on May 28, Enclosed is a copy of the proof of service and judgment for your reviewAdditionally, we have confirmed that your account is still within your state’s statute of limitationsDue to the judgment on this account the life of the unsatisfied judgment is until June 28, therefore the account remains collectibleWe are not the source of public record information reported by consumer reporting agenciesIf you wish to dispute or challenge public record entries, we recommend that you contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the informationAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting these accounts to the major consumer reporting agenciesResurgent utilizes third party collection agencies to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for these accounts would have been met by these collection agenciesResurgent follows all applicable federal and state laws regarding collections activitiesIf, after review of 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] -*** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

January 8, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated January 5, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on December 13, with [redacted] ***and was opened with [redacted] This account charged off on May 31, with a balance of $1,This account was purchased from [redacted] on January 28, No payments have been received on this account since Resurgent started servicing it in January The current balance of this account is $2,Enclosed is an account summaryAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on April 7, with [redacted] ***and was opened with [redacted] ***This account charged off on April 30, with a balance of $This account was purchased from [redacted] on January 28, No payments have been received on this account since Resurgent started servicing it in January The current balance of this account is $Enclosed is an account summaryAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent utilizes third party collection agencies (“servicer”) to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisition [redacted] LLC was previously servicing these accounts and provided validation of debt notices; please see enclosed notices dated February 20, The address on the provided notices is the same address listed on *** [redacted] ’ Revdex.com inquiryIf, after review of 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous owners concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT

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

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

December 1, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated November 24, regarding the above referenced account LVNV Funding LLC (“LVNV”) currently owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV Resurgent would like to thank you for bringing this matter to our attentionAfter investigating the account, the following account has been closedThe LVNV tradeline is not reporting to the three major consumer reporting agenciesWe apologize for any inconvenience experienced regarding this account Acct No [redacted] Reference No[redacted] Original Creditor: [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

November 20, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated November 19, regarding the above referenced account LVNV Funding LLC ("LVNV ") owns the account number ending in *** Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV In our original response dated July 3, 2014, not only did we indicate that her complaint dated June 27, was our first communication with [redacted] , we also informed [redacted] that Resurgent utilizes third party collection agencies to service accounts on its behalf This account has been placed with various collection agencies since LVNV’s acquisition on March 10, Any notification requirements for this account would have been met by these collection agencies [redacted] was initially sent correspondence on November 20, along with a settlement offer in preparation for tax season on January 3, However, due to the age of the account the letters sent to [redacted] by our third party servicers are no longer availableAs for [redacted] concern that she was denied access to her credit reports, we are not affiliated with the credit reporting agencies [redacted] would need to direct her concern directly to the credit reporting agencies If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department R

[redacted] Toll Free Phone [redacted] Greenville, SC Toll Free Fax [redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM November 3, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear [redacted] This letter is in response to your correspondence dated October 27, regarding the above referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about November 26, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on June 9, with [redacted] and was opened with [redacted] This account charged off on October 24, 2008, with a balance of $No payments have been received on this account since Resurgent started servicing it in November Billing statements and an account summary are enclosed for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)As the legal time limit for bureau reporting is approaching on this account, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent received a dispute on July 30, that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to in the adequate time by providing the corresponding information to the respective credit bureausResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agenciesThe statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] responsibility for the balance due on this accountResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on its or the appropriate regulator’s websiteIf, 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 complaintIn 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 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosures ACCOUNT SUMMARY REPORT11/3/9:48:AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: RENAE BOROWSKI Owner LVNV Funding LLCAddress: Blossom Ave Resurgent Reference # 346661256City: Parma Heights Original Creditor General Electric Capital State: OH CorporationZip Code: 44130-Account Number XXXXXXXXXXXX1697Merchant [redacted] Date of Last Payment 07/26/2008Current Balance SummaryOwed Collected BalancePrincipal $1,- $1,032.67Interest $- $478.73Total $1,- $1,[redacted] The current balance due on this account is: $1,***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 1-888-665-to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: General Electric Capital CorporationThe origination date with original creditor was: 06/09/2006The account charge-off date was: 10/24/2008The account charge-off amount was: $620.61The account was acquired on or about: 11/26/2008The account was acquired from: GE Money BankThe account balance at time of acquisition: $1,032.67This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of

November 17, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] : This letter is in response to your correspondence dated November 12, regarding the above referenced account LVNV Funding LLC (“LVNV”) currently owns the account number ending in*** Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV Resurgent has confirmed that the letter sent to [redacted] did provide debt validationAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaint Despite these findings, the following account has been closed Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur We apologize for any inconvenience experienced regarding this account Acct No [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department R

January 30, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-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: $2,Dear [redacted] This letter is in response to your correspondence dated January 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about September 23, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on October 26, with [redacted] **This account charged off on October 31, The last payment in the amount of $was received on March 3, No payments have been received on this account since Resurgent started servicing it in September Enclosed please find an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)LVNV is not reporting the account to the major consumer reporting agenciesResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agencies [redacted] inquiry dated January 27, contained a notice demanding that we cease communication with herWhen 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 customerIf, 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 complaintIn 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] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

October 27, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ***; Case/File No[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $7, Dear [redacted] : This letter is in response to your correspondence dated October 21, regarding the above referenced account LVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV The account was previously sold by [redacted] on or about May 9, The total current balance as of the date of this communication is $7,052.39, which includes a principal balance of $6,and an interest balance of $ Additionally, this account is accruing interest at a rate of percent Please review the following account information: This account originated on April 7, with [redacted] and was opened with [redacted] *** This account charged off on May 31, The last payment in the amount of $was received on September 26, No payments have been received on this account since Resurgent started servicing it in May 9, Enclosed is a copy of the credit application, the terms and conditions and a letter containing validation that was mailed to [redacted] on July 2, 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 agenciesIt 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 This account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agencies The term “open” in [redacted] credit report does not literally mean that the account is open or can be used That information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demand This is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and due If [redacted] has additional questions related to the credit bureau reporting, then she will need to contact the respective credit reporting agencies 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] ***, [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] [redacted] [redacted] Greenville, SC 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)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint This was charged off in and" bought out" by this company that wants to make money on itI do not owe [redacted] *** and the debt is years oldI want it eradicated and my credit score fixed immediately [redacted] Regards, [redacted] ***

January 9, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ; Case/File No [redacted] Reference Numbers: [redacted] Dear [redacted] : This letter is in response to your correspondence dated January 6, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Resurgent would like to thank [redacted] for bringing this matter to our attentionAfter further investigation, the following accounts have been closedAdditionally, a request to delete LVNV tradelines will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] We apologize for any inconvenience experienced regarding these accountsIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

February 18, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] ** Original Creditor: [redacted] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $9,Dear [redacted] This letter is in response to your correspondence dated February 9, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about July 20, As of the date of this communication, the account balance is $9,Please review the following account information: This account originated on December 4, with [redacted] and was opened with [redacted] ***This account charged off on June 30, with a balance of $4,The last payment in the amount of $was received on March 7, No payments have been received on this account since Resurgent started servicing it in July Please find enclosed the credit application and bill statement for your referenceAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesOn February 16, 2015, we received a call from [redacted] wanting to settle this accountWe appreciate [redacted] ’s willingness to pay this account and accept his offer to settle in full for $2,The settlement may be broken into monthly payments of $over the next monthsUpon confirmation that all funds have cleared the banking system, the account status will be updated to “settled 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 agenciesPayments may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] Postal Service transit and for Resurgent to process and post the payment to this accountResurgent Capital Services L.P [redacted] *** Greenville, SC If payment is not received by the 15th of each month, starting March 2015, this account may be placed for further collection activity, and this settlement agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous settlement arrangements have been madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] -*** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

[redacted] Toll Free Phone [redacted] Greenville, SC Toll Free Fax [redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM November 20, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Case/File No[redacted] Reference Numbers: [redacted] Dear [redacted] : This letter is in response to your correspondence dated November 17, regarding the referenced consumerLVNV Funding LLC ("LVNV") owns these two accounts for [redacted] ***Resurgent Capital Services LP ("Resurgent") is the servicer of these accounts owned by LVNVPlease review the following account information: Account No [redacted] Reference No [redacted] Original Creditor: [redacted] This account originated on May 4, with [redacted] and was opened with ExpressThis account charged off on September 2, with a balance of $This account was purchased from [redacted] on September 25, The last payment in the amount of $was received on June 3, No payments have been received on this account since Resurgent started servicing it in September The current balance of this account is $We have confirmed that your account is still within your state’s statute of limitationsEnclosed is an account summaryAccount No [redacted] Reference No[redacted] Original Creditor: [redacted] This account originated on February 2, with [redacted] This account charged off on May 19, with a balance of $This account was purchased from [redacted] on September 25, No payments have been received on this account since Resurgent started servicing it in September The current balance of this account is $1, [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] ***’ responsibility for the balance due on this accountEnclosed is an account summaryAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausThe consumer reporting agencies reporting guidelines have defined a "factoring company" as a company or individual who purchases accounts with the intent of collecting debts owedTherefore, the term is accurate in this situation and the account is reported correctlyResurgent utilizes third party collection agencies to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for these accounts would have been met by these collection agenciesResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on its or the appropriate regulator’s websiteIf, after review of 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT11/20/12:17:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] State: [redacted] ***Zip Code: [redacted] Account Number XXXXXXXXXXXXX***Merchant [redacted] Date of Last Payment 06/03/2009Current Balance SummaryOwed Collected BalancePrincipal $- $454.96Interest $- $283.05Total $- $[redacted] The current balance due on this account is: $***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: 05/04/2008The account charge-off date was: 09/02/2009The account charge-off amount was: $454.96The account was acquired on or about: 09/25/2012The account was acquired from: [redacted] The account balance at time of acquisition: $503.22This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of 1ACCOUNT SUMMARY REPORT11/20/12:08:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] ***State: [redacted] Account Number XXXXXXXXXXX***Zip Code: [redacted] Date of Last Payment 10/17/2008Current Balance SummaryOwed Collected BalancePrincipal $- $805.39Interest $- $513.92Total $1,- $1,[redacted] The current balance due on this account is: $1,***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: 02/02/2008The account charge-off date was: 05/19/2009The account charge-off amount was: $805.39The account was acquired on or about: 09/25/2012The account was acquired from: [redacted] The account balance at time of acquisition: $903.68This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of %

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 31, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 23, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVPlease be advised Resurgent has reviewed [redacted] ***’ dispute and our records indicate we have already responded to a previous inquiry substantially the same as his March 23, disputeBecause [redacted] dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of the disputeUpon information and belief, the address on file when the judgment was obtained was accurateEnclosed is the previous response to this complaintUnless 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 expiredIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfAs a courtesy, please see enclosed Identity Theft AffidavitIf 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 complaintIn addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosures

November 5, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] : This letter is in response to your correspondence dated October 31, regarding the above referenced account LVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV The account was previously sold by [redacted] on or about November 26, We have reviewed the account and determined that this account was “settled in full” on September 2, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on or about September 30, If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

January 12, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,Dear [redacted] This letter is in response to your correspondence dated January 7, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about April 8, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on May 8, with [redacted] ***This account charged off on July 2, with a balance of $1,The last payment in the amount of $was received on November 25, No payments have been received on this account since Resurgent started servicing it in April Please find enclosed an account summary and a bill statementAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agenciesOn June 15, 2012, we received a power of attorney notification from [redacted] Enclosed is the letter dated June 25, providing validation of debt that was mailed to [redacted] care of [redacted] [redacted] Our records indicate [redacted] previously submitted to this office dated March 23, and April 15, notices demanding that we cease communication with himWhen 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 customerIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***and/or [redacted] *** concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

January 8, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** ***, *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated January 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about September 12, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 31, with [redacted] ***, *** This account charged off on August 6, with a balance of $No payments have been received on this account since Resurgent started servicing it in September Billing statements, the terms and conditions, and an account summary for this account are enclosed for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleIf 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 complaintIn 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] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosures