Resurgent Capital Services LP

Please see the attached response.April 14, [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 [redacted] Reference Number: [redacted] Current Balance: $13,Dear [redacted] This letter is in response to your correspondence dated April 7, 2015, 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 30, As of the date of this communication, the account balance is $13,Please review the following account information: This account originated on February 19, 2008, with [redacted] ***and was opened with [redacted] This account charged off on November 12, 2009, with a balance of $7,The last payment in the amount of $was received on April 14, No payments have been received on this account since Resurgent started servicing it in June Enclosed is 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 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 paidThis letter also included a validation noticeIf, 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.PEnclosure(s)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10511296, and have determined that this does not resolve my complaint A factoring company buys contracts and accounts receivables but not delinquent debt accounts The account they claim to own was in default and charged off prior to them acquiring it Therefore, they are not a factoring companyThe reason they claim to be a factoring company is to attempt to evade having to obey FDCPA and lawsuits stemming from their failure to follow the rules For LVNV to state that it is a factoring company violates:1692e(12) The representation or implication that accounts have been turned over to innocent purchasers for valueLVNV can not be considered purchasers nor holders.1692e(10) The use of any representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.1692e(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be falseLVNV knows that it is not an innocent purchaser and that it is not a holder.1692e(2)(A) The representation of the character any debtThe debt has been characterized as one that was not in default at the time of purchase.1692e(2)(A) The representation of the legal status of any debtReporting as a factoring company confers the legal status of holder upon the furnisher.16922(f) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debtThe use of factoring company is unfair as it deprives me of rights, remedies and defenses and provides a impression to current and potential lenders.On top of the Factoring company farce, they have yet to present me with proper debt validation listed below:Proof the amount they are claiming is correct and legal, which will require all statements and payment history from the original creditorProof this account is within the Statute of Limitations and has not expiredProof they are the owner of this account, which will require the contract and terms between them and the original creditorProof they are legally licensed (bonded and insured if applicable) to collect this debt in my stateFor verification purposes, I will need their business license number If they are unable to provide the proof I requested, please have them delete this account from all reporting agencies, which is mandated under federal law I am in the process of acquiring legal counsel that has fought this same battle with LVNV previously since they will not follow the law Regards, [redacted]

[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: $3,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] LLC on or about December 30, As of the date of this communication, the account balance is $3,Please review the following account information: This account originated on December 13, with [redacted] This account charged off on August 22, No payments have been received on this account since Resurgent started servicing it in December 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”)This account is not being reported to the three major consumer reporting agencies on behalf of LVNVResurgent 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 accountIf, 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] LLC 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 ACCOUNT SUMMARY REPORT11/3/10:25: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 [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 01/15/2007Current Balance SummaryOwed Collected BalancePrincipal $2,- $2,692.84Interest $- $459.56Total $3,- $3,[redacted] The current balance due on this account is: $3,***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: 12/13/2004The account charge-off date was: 08/22/2007The account was acquired on or about: 12/30/2011The account was acquired from: [redacted] LLCThe account balance at time of acquisition: $4,392.65This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose

November 21, [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 November 20, 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 January 18, This account was updated to “settled in full” on August 19, 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 mannerResurgent 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

December 18, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ; Case/File No [redacted] Original Creditor: [redacted] , Inc Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated December 16, 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] , Incon or about September 29, Please review the following account information: This account originated on August 15, with [redacted] , IncThis account charged off on March 30, The last payment in the amount of $was received on November 20, All 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”) We have reviewed [redacted] account and her account was updated “settled in full” on November 24, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountAs a courtesy, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

February 16, [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] Dear [redacted] This letter is in response to your correspondence dated February 11, 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 January 23, Please review the following account information: This account originated on November 21, with [redacted] and was opened with [redacted] ***This account charged off on June 9, with a balance of $The last payment in the amount of $was received on March 30, All 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, LVNV is not reporting the account to the major consumer reporting agenciesA judgment was obtained April 27, in the Superior Court of [redacted] , County of [redacted] with case number [redacted] An Acknowledgment of Satisfaction of Judgment was filed on February 26, Enclosed is a copy of the judgment and Acknowledgment of Satisfaction of Judgment for *** [redacted] ’s reviewWe are not the source of public record information reported by consumer reporting agenciesIf [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 informationWe have verified this account was paid in fullThe account is considered resolved in our office, and *** [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

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] 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 March 25, 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] LLC ( [redacted] ") on or about September 23, Please review the following account information: This account originated on May 25, with [redacted] and was opened with [redacted] *** [redacted] This account charged off on January 9, The last payment in the amount of $was received on July 31, All 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, LVNV is not reporting the account to the major consumer reporting agenciesResurgent 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 agenciesA judgment was obtained April 21, in the [redacted] County Civil Court, [redacted] with case number **- [redacted] Enclosed is a copy of the judgment for [redacted] ***’s reviewWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to the source of the informationOur records indicate the judgment was vacatedEnclosed is a copy of the Order to Vacate the judgment for your reviewWe have verified this account was settled in full due to payments received totaling $1,The status of the account was updated to "Settled in Full" on December 2, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure

November 17, [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] Dear [redacted] : This letter is in response to your correspondence dated November 10, 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 March 10, Resurgent would like to thank [redacted] for bringing this matter to our attentionIn our previous response dated July 21, 2014, Resurgent extended an offer to settle in full for $ Resurgent has recently received three payments totaling $on this account Unfortunately due to a clerical error on the part of Resurgent, [redacted] account was mistakenly sent to a third party servicer for collections We apologize for any inconvenience, have corrected the problem, and have recalled the account from the servicer Additionally, for the inconvenience [redacted] has experience, Resurgent would like to reduce [redacted] original settlement agreement by $and settle in full for $475.00, making [redacted] new current balance $ [redacted] may continue to make monthly payments of $ Upon confirmation that all the funds have cleared the banking system, the account status will be updated to "settled in full" Payments may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payments by phone If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the account Resurgent Capital Services L.P [redacted] Greenville, SC We hope our response addresses the concerns submitted by [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 4, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] [redacted] Case/File No [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $4, Dear [redacted] : This letter is in response to your correspondence dated December 2, 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 September 23, As of the date of this communication, the account balance is $4,Please review the following account information: This account originated on February 5, with [redacted] and was opened with [redacted] *** This account charged off on September 23, No payments have been received on this account since Resurgent started servicing it in September All 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 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 received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus Please find an account summary enclosedIf, 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] ***, [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] P.OBox 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)

November 25, [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 17, 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 attention After 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 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

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]

February 10, [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 February 2, 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 LVNV Resurgent would like to thank [redacted] for bringing this matter to our attentionAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, the account has been closedAdditionally, 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 occurWe 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 cc: [redacted]

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

November 14, [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 November 12, 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, As stated previously, 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 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 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Res

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 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: $9,Dear [redacted] This letter is in response to your correspondence dated April 2, 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] (" [redacted] ***") on or about December 30, As of the date of this communication, the account balance is $9,Please review the following account information: This account originated on May 23, with [redacted] *** This account charged off on February 28, The last payment in the amount of $was received on June 25, No payments have been received on this account since Resurgent started servicing it in December All 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 saleResurgent 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 agenciesIn 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 removedA judgment was obtained December 1, in Superior Court of [redacted] , County of [redacted] with case number [redacted] Our records indicate that [redacted] was served the summons and complaint on May 4, Enclosed is a copy of the proof of service and judgment for [redacted] ’s reviewWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend that he/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 [redacted] states in his/her dispute that the debt was collected, if after review of the above-referenced information, [redacted] believes 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/her dispute, it may help with our investigation, so please have him/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.PEnclosure

December 19, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] , LLC 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 December 18, 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] , LLC on or about October 16, The total current balance as of the date of this communication is $1,946.99, which includes a principal balance of $and an interest balance of $Additionally, this account is accruing interest at a rate of percentPlease review the following account information: This account originated on January 7, with [redacted] This account charged off on September 13, with a balance of $The last payment in the amount of $was received on February 10, No payments have been received on this account since Resurgent started servicing it in October Please find enclosed a bill statement and an account summaryAll 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 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 received the multiple credit bureau disputes that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded 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 correctly [redacted] 's letter asserts that LVNV “re-ages” accounts and that his/her credit report shows this is a new accountWe believe he/she means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrectIt is likely that he/she believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his/her debt's derogatory account can remain on his/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 12, The tradeline will be deleted on or before December 12, Please find enclosed a letter providing validation of debt which was mailed to [redacted] on March 11, 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 matterBlank 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] , LLC concerning his/her dispute, it may help with our investigation, so please have him/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)

October 31, [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: $16, Dear [redacted] This letter is in response to your correspondence dated October 27, 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 September 23, The total current balance as of the date of this communication is $16, Please review the following account information: This account originated on November 6, with [redacted] and was opened with [redacted] This account charged off on September 17, No payments have been received on this account since Resurgent started servicing it in September 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 summaryIf, 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] ***, [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.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 It is to my belief that this debt you are trying to claim is already passed statute of limitationsSo I demand by writing Resurgent Capital Services and LVNV Funding to cease and desist all communications as required by Fair Debt collection Practises Act U.S.C section 1692c(c) if you fail, I will be seeking additional legal remedies.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 The sending of bills that could have been done on a [redacted] progam does not meet the litmus test of validation of the alleged debtThey need something with concrete proof that I am the responsible party or I will be forced to escalate my complaintI will not hesitate to execute all my rights under the law when this is proven not to be a valid debtThey are to send me the REQUIRED information that is needed to do this under the LAW.They said they bought the rights, if we go to court part of my discovery will be proof of this in a cancelled check, money transfer, or any other documentation to prove this assertions.Once again a computer generated bill with my address does not have standing in a civil case as it does not represent any identifying confirmation that I am the responsible part or that I agree to be suchOnce again they have days to remove ALL mention of this alleged and unvalidated debt before I move forward to that Attorney General of their state as well as the Comptroller of the Currency and is need be to [redacted] small claimsRegards, [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 Resurgent has not acknowledged or addressed the fact that it took over years to obtain a satisfaction of judgement Resurgent's response was that I should contact the credit reporting companies That isn't the problem or the issue The problem is that they never obtained a satisfaction of judgment even though I paid off the judgement over two years ago Regards, [redacted] ***