Resurgent Capital Services LP

October 27, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:     [redacted]; Case/File...

No.[redacted]
            Previous Creditor:        [redacted]
            Original Creditor:         [redacted]
            Current Owner:            LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:     [redacted]
            Current Balance:          $7,052.39
 
Dear [redacted]:
 
This letter is in response to your correspondence dated October 21, 2014 regarding the above referenced account.  LVNV Funding LLC ("LVNV") owns the account number ending in [redacted].  Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV.  The account was previously sold by [redacted] on or about May 9, 2013.  The total current balance as of the date of this communication is $7,052.39, which includes a principal balance of $6,492.11 and an interest balance of $560.28.  Additionally, this account is accruing interest at a rate of 6 percent.   Please review the following account information:
 
This account originated on April 7, 2008 with [redacted] and was opened with [redacted].
This account charged off on May 31, 2010.
The last payment in the amount of $138.19 was received on September 26, 2012.
No payments have been received on this account since Resurgent started servicing it in May 9, 2013.
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, 2014.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor.  Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”).  Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV.  The original creditor may also continue to report the history of this account from the origination date to the time of sale.
 
In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed.
Resurgent utilizes third party collection agencies to service accounts on its behalf.  This account has been placed with various collection agencies since LVNV’s acquisition. Any 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 29603
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
 
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.                      
 
Enclosure(s)

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 8, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....

[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $7,006.63 Dear [redacted]: This letter is in response to your correspondence dated April 2, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about April 5, 2006. As of the date of this communication, the account balance as of April 8, 2015 is $7,006.63. Please review the following account information: 1. This account originated on February 7, 2001 with [redacted] and was opened with Sears. 2. This account charged off on September 28, 2005 with a balance of $5,216.55. 3. The last payment in the amount of $2,500.00 was received on December 16, 2004. 4. No payments have been received on this account since Resurgent started servicing it in April 2006. 5. Enclosed are the credit application and bill statements for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. 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. Any notification requirements for this account would have been met by these collection agencies. A judgment was obtained December 2, 2008 in the Justice Court Precinct Number 1-1 [redacted] County, [redacted] with case number [redacted]. Enclosed is a copy of the judgment for [redacted]’s review. We have requested a copy of the proof of service and will forward upon receipt, if available. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or Sears concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted]2, and have determined that this does not resolve my complaint. 
The attachments provided by Resurgent are not valid proofs of what constitutes proper debt validation.  FCRA rules state that validation rests on the debt collector. The debt collector contacts the original creditor to obtain proof of the debt. The original creditor then sends the necessary documents to the debt collector and the debt collector then presents the documents to the consumer as proof as validation.
Proof would be in the form of the contract between my-self and original creditor ([redacted]) bearing my signature which would verify I once held an account with [redacted] which I never did.  For this purpose this would prove the validity of the claim because everyday millions of Americans are subject to mistaken identity.  
The letter sent to me from Resurgent dated Sept 10th is not valid.  A letter stating that the company now owns this debt is not valid proof.  Should I just take their word for it? There is signature of mine on this document.  I can write 10 letters to my friends and family stating they owe me a debt does that make my claim valid? NO it is not proof enough to support my claim. The account summary report dated 11/3/14 is also not a form of validation this is information that Resurgent has in their data base and did not come from [redacted]. Again there is no signature of mine found on any of the presented documents.
For this purpose I reject their response and this matter is not settled. No documents were presented to me or the Revdex.com bearing my signature.  Furthermore the letter sent by my-self to Resurgent dated September 17, 2014 does not demand a cease and desist of communication.  I have sent  via a seperate email/ attached a copy of my letter to them as proof of the contents of the letter.  I have done research on this debt collector and Resurgent is well known for placing cease and desist of communications on accounts even when not asked by a consumer in order to avoid the validation process. My letter clearly states my reason for writing the company and the acceptable documents requested for validation. Nowhere in my letter mentions cease and desist. To my knowledge I have also never disputed this account electronically to the Credit Bureaus. This company blatantly lies to avoid any form of directly validating an account with the consumer.
As of now Resurgent continues to report an un-validated debt on my credit report which is causing significant damage to my credit file. I have already sought legal advice in this matter. Should they so choose to continue to willfully report this account on my file, I will have no choice but to sue them in a court of law for violating the FCRA and the FDCPA and report them to the FTC and the attorney general. Regards,[redacted]

October 31, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted]; Case/File No....

[redacted]
            Previous Creditor:        [redacted]
            Original Creditor:         [redacted]
            Current Owner:             LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:    [redacted]
            Current Balance:          $16,480.42
 
Dear [redacted]
 
This letter is in response to your correspondence dated October 27, 2014 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 September 23, 2011.  The total current balance as of the date of this communication is $16,480.42.   Please review the following account information:
 
This account originated on November 6, 2006 with [redacted] and was opened with [redacted].
This account charged off on September 17, 2008.
No payments have been received on this account since Resurgent started servicing it in September 2011.
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”).  Since 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 cycle.
 
Enclosed is an account summary. If, 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 matter.  Blank forms are available at the FTC's website:  http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 
 
If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. 
 
In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to:
 
                        Compliance Department          or         Fax:  [redacted]
                     [redacted]
                      [redacted]
                        Greenville, SC 29603
 
If you have any further questions, comments or concerns, please contact Customer Service at[redacted]
 
Sincerely,
 
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.                      
 
Enclosure(s)

January 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner:...

LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,184.70 Dear [redacted] This letter is in response to your correspondence dated January 7, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about April 8, 2011. As of the date of this communication, the account balance is $2,184.70. Please review the following account information: 1. This account originated on May 8, 2003 with [redacted]. 2. This account charged off on July 2, 2009 with a balance of $1,681.09. 3. The last payment in the amount of $100.00 was received on November 25, 2008. 4. No payments have been received on this account since Resurgent started servicing it in April 2011. 5. Please find enclosed an account summary and a bill statement. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. 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. Any notification requirements for this account would have been met by these collection agencies. On June 15, 2012, we received a power of attorney notification from [redacted]. Enclosed is the letter dated June 25, 2012 providing validation of debt that was mailed to [redacted] care of [redacted]. Our records indicate [redacted] previously submitted to this office dated March 23, 2014 and April 15, 2014 notices demanding 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 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted]. and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

December 1, 2014
           
 
[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 [redacted]
 
This letter is in response to your correspondence dated November 24, 2014 regarding the above referenced account.  LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.
 
Resurgent would like to thank you for bringing this matter to our attention. After investigating the account, the following account has been closed. The LVNV tradeline is not reporting to the three major consumer reporting agencies. We 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.

December 3, 2014      
 
[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 [redacted]
 
This letter is in response to the additional concerns submitted by [redacted] dated November 25, 2014 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. 
We appreciate [redacted] willingness to pay this account and accept his offer to settle in full for $280.00. Resurgent reports account and consumer data accurately to the consumer reporting agencies according to the guidelines provided by the respective credit bureaus. Upon confirmation that 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 agencies. 
Payment may be mailed to the following address, or [redacted] may contact Customer Service at[redacted] in order to make payments by phone.  If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account.
                         Resurgent Capital Services L.P.
                        [redacted]
                        Greenville, SC 29603
 If payment is not received by the December 31, 2014, this account may be placed for further collection activity, and this settlement agreement may be re-evaluated. 
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 settlement arrangements have been made. 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.

November 21, 2014    
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted]; Case/File No....

[redacted]
            Previous Creditor:        [redacted]
            Original Creditor:         [redacted]
            Current Owner:                        LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:     [redacted]
           
 
Dear [redacted]
 
This letter is in response to your correspondence dated November 20, 2014 regarding the above referenced account.  LVNV Funding LLC ("LVNV”) owns the account number ending in [redacted].  Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV.  The account was previously sold by [redacted] on or about January 18, 2013. 
 
This account was updated to “settled in full” on August 19, 2014.  The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account.  The Original Creditor, [redacted], is currently in possession of the lien for this account and a request to transfer the lien was sent to them in a timely manner. Resurgent is working closely with them to expedite the lien transfer so that the lien may be released. 
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
[redacted]
Compliance Department

Please see the attached response.April 14, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted]...

[redacted]. Current Owner: LVNV Funding LLC 
[redacted] Reference Number: [redacted] Current Balance: $13,768.12 Dear [redacted] This letter is in response to your correspondence dated April 7, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. on or about June 30, 2010. As of the date of this communication, the account balance is $13,768.12. Please review the following account information: 1. This account originated on February 19, 2008, with [redacted]. and was opened with [redacted]. 2. This account charged off on November 12, 2009, with a balance of $7,188.64. 3. The last payment in the amount of $225.00 was received on April 14, 2009. 4. No payments have been received on this account since Resurgent started servicing it in June 2010. 5. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed.Enclosed for your review is a copy of the letter that was mailed to [redacted] on or about October 1, 2010, advising that information may be reported to the consumer reporting agencies if the account is not paid. This letter also included a validation notice. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted]. and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

October 6, 2014          
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted]; Case/File No....

[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 6, 2014 regarding the above referenced account.  LVNV Funding LLC ("LVNV ") owns the account number ending in [redacted].  Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV.  The account was previously sold by [redacted] on or about May, 19, 2008. 
 
We have reviewed the account and determined that this account was “settled in full” On August 1, 2013.  The last payment on this account was received on July 22, 2013 in the amount of $265.50.  The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account.  Additionally, this account stopped reporting to the three major consumer reporting agencies on September 9, 2014.
 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 27, 2015
 
 
[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]
            Acct No. [redacted]
            Original Creditor: [redacted], Inc.
 
 
Dear [redacted]
 
This letter is in response to your correspondence dated January 26, 2015 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.
 
Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the account has been closed. As stated in the previous response, 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. We apologize for any inconvenience experienced regarding this account.
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
 
[redacted]
Compliance Department         
Resurgent Capital Services L.P.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. 
The documents enclosed do not prove they own the account. They have not provided the documents from the original lender, contractually showing the agreement I made with them and have not met the requirements for the FCRA.  Sending a bunch of documents with their letterhead is just that, their documents. They either provide the original documents from the orginal lender or remove the negative marks from my credit bureaus. 
Regards,
[redacted]

January 30, 2015 
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number[redacted] Reference Number: [redacted] Current Balance: $2,982.02 Dear [redacted] This letter is in response to your correspondence dated January 27, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 23, 2011. As of the date of this communication, the account balance is $2,982.02. Please review the following account information: 1. This account originated on October 26, 2004 with [redacted]. 2. This account charged off on October 31, 2005. 3. The last payment in the amount of $157.00 was received on March 3, 2005. 4. No payments have been received on this account since Resurgent started servicing it in September 2011. 5. Enclosed please find an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). LVNV is not reporting the account to the major consumer reporting agencies. 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. Any notification requirements for this account would have been met by these collection agencies. [redacted] inquiry dated January 27, 2015 contained a notice demanding that we cease communication with her. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information[redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

January 8, 2015 [redacted]Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE[redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $735.31 Dear [redacted] This letter is in response to your correspondence dated January 5, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV Funding LLC") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV Funding LLC. The account was previously sold by [redacted] on or about December 30, 2011. As of the date of this communication, the account balance is $735.31. Please review the following account information: 1. This account originated on July 5, 2006 with [redacted] 2. This account charged off on November 30, 2007. 3. The last payment in the amount of $42.95 was received on June 18, 2007. 4. No payments have been received on this account since Resurgent started servicing it in December 2011. 5. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV Funding LLC 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, LVNV is not reporting the account to the major consumer reporting agencies. The statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’s responsibility for the balance due on this account. If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure

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]

[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 [redacted]: 
This letter is in response to the additional concerns submitted by [redacted] dated December 1, 2014 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 changed the due date for this account from the 15th of the each month to the 25th, which will now allow time for [redacted]’ statements to reach her in a timely manner.  We apologize for any inconvenience experienced regarding this account.
 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. 
Sincerely,
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.
 
Thank You,
 
[redacted]
Compliance Administrator II
[redacted]

February 10, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,252.65 Dear [redacted] This letter is in response to your correspondence dated February 4, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], LLC on or about April 14, 2009. As of the date of this communication, the account balance is $1,252.65. Please review the following account information: 1. This account originated on June 16, 2008 with [redacted] 2. This account charged off on March 22, 2009 with a balance of $690.70. 3. The last payment in the amount of $50.00 was received on August 17, 2008. 4. No payments have been received on this account since Resurgent started servicing it in April of 2009. 5. Please find enclosed an account summary and bill statement for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Please be advised Resurgent has reviewed [redacted]’s dispute and our records indicate we have already responded to a previous inquiry dated October 8, 2013. Please find enclosed response to the inquiry submitted on October 16, 2013. If, after review of 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 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], LLC and/or [redacted] concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 9, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....

[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,537.71 Dear [redacted] This letter is in response to your correspondence dated April 2, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("**") on or about August 1, 2007. 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, LVNV is not reporting the account to the major consumer reporting agencies. [redacted]’ letter asserts that LVNV “re-ages” accounts. We believe she means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It 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 report. This 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 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 credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is February 18, 2006. The LVNV tradeline was deleted on or around June 14, 2012. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account the account has been closed in consideration of [redacted]’ specific situation. We apologize for any inconvenience experienced regarding this account. 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 14, 2014    
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted]; Case/File No. [redacted]
            Previous Creditor:        [redacted]
            Original Creditor:         [redacted]
            Current Owner:                        LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:    [redacted]
           
 
Dear [redacted]
 
This letter is in response to your correspondence dated November 12, 2014 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 November 26, 2008.   
As stated previously, this account was “settled in full” on September 2, 2014.  The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding 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.  
If you have any further questions, comments or concerns, please contact Customer Service at[redacted]
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄ Res

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] The information you have provided conflicts with what is on my credit report for this account.  Please see my response to what the business stated in their response below:
This account originated on December 12, 2006 with [redacted] and was opened with [redacted]. --- Agreed
This account charged off on January 2, 2009 with a balance of $569.43. --- Agreed
No payments have been received on this account since Resurgent started servicing it in January 2009 --- Do not agree.  The DLA on this account with the original creditor was 07/08, shouldn't the DLA reported on the credit report be the DLA with the original creditor?? 
 
I also have further concerns. I still think that this [redacted] Account was settled under LVNV Funding account #[redacted]
Please reference LVNV Funding acct#[redacted] it is showing as a paid collection in the amount of $592 (which is very close to what was owed to [redacted]).  It also shows a DLA of 07/08 which agains corresponds with the information posted on my credit report by the original creditor.  Another reason why I think that the paid LVNV collection that is showing as paid is for the [redacted] account.  Also the LVNV account that contains this info on my report does not contain any information about the original creditor which is another reason I think the outstanding LVNV account is a duplicate of the paid account.
Also, the [redacted] charge off shows a high credit amount of $700, LVNV acct#[redacted] is showing the hi credit on this account was $890, but also showing a balance of $1635.  So what is really owed? $890? $569.43? $700? or $1635? (which by the way is almost a 200% increase in the charged off balance). 
I just find it odd that the information reported for the LVNV collections account that I have paid and settled with more closely resembles the information that is reflected on my report with that of the [redacted] account that was charged off. 
 
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