Resurgent Capital Services LP

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 7, 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 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 Resurgent Capita

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I originally opened the [redacted] account in June during a special promotion over Father's Day weekendThe offer was year, no-interest on purchases if the amount was paid off within one year of the purchaseI paid the balance of the account IN FULL in April 2008, LESS THAN one year after purchaseAlthough the credit history does not presently show all entries dating back to the beginning of the debt in July 2007, it did show that I made on-time payments except for month for the entire length of the debtAnd I made no other purchases with that account after the initial purchase Despite that, [redacted] claimed additional charges, not honoring the terms of their original offer, AFTER I was given the final payment amount and paid that balance, which I disputedThat is reflected in the account history shown on my credit report with the supposedly late payments beginning in May However, [redacted] CHARGED OFF the amount in question less than months later, which rendered my balance with them to $owed LVNV then bought it from [redacted] about that same timeIt is my understanding that LVNV is a company that buys old debt from other credit companies and attempts to collect on it, even if the debt has been settled with or written off by the original creditorThis appears to be the case in this instanceI am presently involved with a separate dispute regarding LVNVHaving this on my credit report for this entire time has caused substantial damage to my credit scores at all three credit reporting agenciesDue to the age of the debt, I no longer have any supporting documentation unfortunatelyRegards, [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 In my last response I stated I would only accept the response when the account was removed from my credit reports I am attempting to acquire a mortgage and with this on my report it is impossible The company stated it would be removed on the next reporting cycle This is unacceptable I just checked my reports and it is still reflected I know it can be removed immediately Once this is accomplished, then and only then, will I accept the response 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]

November 11, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated November 4, 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 The LVNV tradeline is no longer reporting to the three major consumer reporting agenciesWe 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 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 First of all, LVNV Funding AKA Resurgent Capital Services received my certified letter requesting validation on October 14, I never received their response within the specified days and their is no evidence they mailed it According to [redacted] Finance Code Section debt collectors have days to respond to a debt validation request Furthermore, they never ceased collection activity on this account during the validation period According to FDCPA Section 809(b) a debt collector MUST cease collection activity until account in question has been verified That never happened LVNV Funding continued collection activity on this account Credit bureau reporting is considered collection activity As it stands, LVNV Funding AKA Resurgent Capital Services has already violated state and federal consumer protection laws At this point, I am already entitled to statutory damages resulting from their willful negligence However, I am respectfully requesting that they do the right thing and delete the trade-line and cease collection of this account I am making every effort to resolve this matter without taking legal action and presenting this matter in a courtroom before a jury in my community.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 I would love to further address my concerns with the customer service department as the company suggests, however they have repeatedly dismissed my concernsWhile I appreciate the company's willingness to reduce my payment, that is not the reason for my complaint, and I feel as if my complaint was again dismissedI am uncertain as to how the company can report to the credit bureau before reaching out to the consumer firstI was unable to pay the original debt to [redacted] because they demanded payment in full, and provided my circumstances at that time, that was inconsiderableIf LVNV/Resurgent had contacted me, even once regarding this debt, I would understand this situationWhat I am requesting is that the company resolve or explain to me how my credit report can reflect this debt of $without first contacting me either by phone or by U.SMailFor years I attempted to access my credit report, but was continuously denied because I couldn't answer one key question each of the bureau's would ask"Which company have you taken a loan (and sometimes 'auto loan') with." One of the available answers was always LVNV, but if I've never received a single phone call or letter from the company, how am I to be expected to know this? What I am complaining about is the company's customer service staff's unwillingness to hear my request to remove this from my credit report, because if they would have reached out to me, I would have been able to work a payment arrangement out soonerBefore reflecting as an unpaid debtI am hoping this response will address the true concernThank you in advance, 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 4, [redacted] Revdex.com of Upstate South Carolina N Church 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: $5, Dear [redacted] : This letter is in response to your correspondence dated October 28, 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 September 23, As of the date of this communication, the account balance is $5,Please review the following account information: This account originated on April 2, with [redacted] and was opened with [redacted] This account charged off on December 21, No payments have been received on this account since Resurgent started servicing it in September An account summary and an account itemization are enclosed for your review 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 Verification of debt with validation was mailed to you on September 10, 2012, January 14, 2013, and June 30, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Copies of these letters are enclosed for your review Per our telephone conversation with [redacted] on November 3, 2014, unfortunately Resurgent is unable to order documents from the previous ownerHard copies of the business records are no longer availableResurgent relies upon the accuracy of the legal seller’s electronic records kept in the course of businessHowever, per MsHudson’s request please review the following settlement offer: Resurgent offers to settle in full for $1,The settlement may be broken into monthly payments of $until the debt is satisfiedUpon confirmation that all the 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 Payments 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 account Resurgent Capital Services L.P [redacted] Greenville, SC If payment is not received by November 28, 2014, this account may be placed for further collections, and this settlement agreement may be re-evaluatedWe are not obligated to renew this offer It 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 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 Enclosures AcctID [redacted] Beginning Bal 5, Accruals Payments - Current Bal 5, Rate TranID TranCode Cash Amount Post Date Prin Bal Int Bal - Beginning Bal - - 3,2, [redacted] Bring-interest-to-date - 9/27/3,2, [redacted] Bring-interest-to-date - 11/9/3,2, [redacted] Bring-interest-to-date - 8/20/3,2, [redacted] Bring-interest-to-date - 9/10/3,2, [redacted] Bring-interest-to-date - 10/23/3,2, [redacted] Bring-interest-to-date - 1/14/3,2, [redacted] Bring-interest-to-date - 2/28/3,2, [redacted] Bring-interest-to-date - 6/7/3,2, [redacted] Bring-interest-to-date - 10/14/3,2, - Current - - 3,2, - 3,2, Total Bal Accrual 5,- 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, ACCOUNT SUMMARY REPORT 11/4/9:55:AM This 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 Information Name: [redacted] Owner LVNV Funding LLC Address: [redacted] Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] State: [redacted] Account Number XXXXXXXXXX [redacted] Zip Code: [redacted] Date of Last Payment 08/05/ Current Balance Summary Owed Collected Balance Principal $3,- $3, Interest $2,- $2, Total $5,- $5, [redacted] The current balance due on this account is: $5, [redacted] Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information Historical Account Information The original creditor for this account was: [redacted] The origination date with original creditor was: 04/02/ The account charge-off date was: 12/21/ The account was acquired on or about: 09/23/ The account was acquired from: [redacted] LLC The account balance at time of acquisition: $5, This 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

January 21, [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: $Dear [redacted] This letter is in response to your correspondence dated January 12, 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 7, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 18, with [redacted] *** This account charged off on October 20, No payments have been received on this account since Resurgent started servicing it in November Please see 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”)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 cycleResurgent 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 agenciesIf, 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] 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)

March 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] Dear [redacted] This letter is in response to your correspondence dated February 25, 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 ***, LLC ("***") on or about February 16, Please review the following account information: This account originated on May 14, with [redacted] *** This account charged off on January 20, with a balance of $The last payment in the amount of $was received on July 3, 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”)In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account to “Account Paid in Full for less than the Full Balance” was submitted to the three major consumer reporting agencies on or about August 14, Reporting was subsequently deleted on or about November 13, Currently, LVNV is not reporting the account to the major consumer reporting agenciesWe are unable to alter the credit bureau reporting of another creditor [redacted] should contact the respective consumer reporting agencies regarding information he/she believes is being reported in errorA judgment was obtained June 7, in [redacted] District Court with case numbe [redacted] Enclosed is a copy of the judgment and Satisfaction of Judgment entered on July 25, 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 informationWe have verified this account was settled in full on July 3, for $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.PEnclosures

October 20, [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 17, 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 28, As of the date of this communication, the account balance is $3, Please review the following account information: This account originated on September 30, with [redacted] and was opened with [redacted] **., Inc This account charged off on August 31, with a balance of $3, No payments have been received on this account since Resurgent started servicing it in January Enclosed are bill statements, terms and conditions and the credit application for this account 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 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 Resurgent utilizes third party collection agencies to service accounts on its behalf This account was placed with [redacted] *** Any notification requirements for this account would have been met by these collection agenciesEnclosed is the letter to [redacted] providing validation from [redacted] that dated on March 12, 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] ***, [redacted] and/or [redacted] **., Incconcerning 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 15, [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 15, 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 15, As of the date of this communication, the account balance is $1, Please review the following account information: This account originated on January 26, with [redacted] This account charged off on August 6, with a balance of $The last payment in the amount of $was received on December 19, No payments have been received on this account since Resurgent started servicing it in September Enclosed is a bill statement and an account summaryAll 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 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 Enclosed is the letter containing validation that was mailed to [redacted] on October 24, Our records indicate he previously submitted to this office on November 28, a notice 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 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 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 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)

March 10, [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: $3,Dear [redacted] This letter is in response to your correspondence dated March 2, 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 December 15, As of the date of this communication, the account balance is $3,Please review the following account information: This account originated on March 9, with [redacted] *** This account charged off on November 13, with a balance of $1,The last payment was received on April 4, No payments have been received on this account since Resurgent started servicing it in December Please find enclosed an account summary and bill statements 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, LVNV is not reporting the account to the major consumer reporting agencies and the tradeline was deleted on or about February 24, The term “open” in [redacted] ***’s credit report does not literally mean that the account is open or can be usedThat 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 demandThis is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and dueIf [redacted] has additional questions related to the credit bureau reporting, then she will need to contact the respective consumer reporting agencies [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] ***’s 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] [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

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] ***

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 9, [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: $5,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 ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ( [redacted] ) on or about February 18, As of the date of this communication, the account balance is $5,Please review the following account information: This account originated on May 21, with [redacted] ***and was opened with [redacted] This account charged off on January 31, The last payment in the amount of $3,was received on August 25, No payments have been received on this account since Resurgent started servicing it in February Enclosed is a bill statement and account summary on file for the accountAll 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 removedValidation of the debt was mailed to [redacted] on July 31, and verification of debt was mailed to [redacted] on September 30, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, a letter was mailed to [redacted] on September 30, advising her of the documentation needed to investigate the account as fraud and enclosing a blank identity theft affidavit form to be completedEnclosed are the letters for your reviewIf, 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] [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.PEnclosures

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 11, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Original Creditor: [redacted] *** Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 2, regarding the above-referenced accountLVNV Funding LLC ("LVNV") previously purchased this account on September 15, from [redacted] , LLC (“***)Resurgent Capital Services LP ("Resurgent") serviced the account on behalf of LVNV; however, [redacted] ***recalled the account on March 10, Please contact [redacted] ***at [redacted] or the address below if you need additional information concerning this account: [redacted] *** [redacted] *** [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

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”) 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 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 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capit

[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 4, [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: $1, Dear [redacted] : This letter is in response to your correspondence dated October 29, 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 March 10, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on March 12, with [redacted] This account charged off on February 17, with a balance of $ No payments have been received on this account since Resurgent started servicing it in March Billing statements and an account summary are enclosed for your review 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 agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus The term “open” in [redacted] credit report does not literally mean that the account is open or can be usedThat 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 demandThis is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and dueIf [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 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] 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 [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P Enclosures ACCOUNT SUMMARY REPORT 11/4/12:00:PM This 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 Information Name: [redacted] Owner LVNV Funding LLC Address: [redacted] Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] State: DC Account Number XXXXX [redacted] Zip Code: 20032-Date of Last Payment 07/18/ Current Balance Summary Owed Collected Balance Principal $- $ Interest $- $ Total $1,- $1, [redacted] The current balance due on this account is: $1, [redacted] Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information Historical Account Information The original creditor for this account was: [redacted] The origination date with original creditor was: 03/12/ The account charge-off date was: 02/17/ The account charge-off amount was: $ The account was acquired on or about: 03/10/ The account was acquired from: [redacted] The account balance at time of acquisition: $ This 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

December 3, [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 25, 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 LVNVResurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies (also known as “credit bureaus”)Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus In the previous response dated November 17, 2014, [redacted] was provided the terms and conditions and bill statements from this accountSome of the bill statements reflect the address which she supplied on her Revdex.com inquiry [redacted] was given the opportunity if she did not believe that this was her account to fill out an identity theft affidavitResurgent has not received an identity theft affidavit from [redacted] *** Based on the account history, the tradeline will not be deleted; however, it will be updated as disputed to the three major consumer reporting agencies during the next reporting cycleIt will continue to report as such for the remaining reporting period unless new facts require a change If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital

November 14, [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 10, regarding the referenced consumerLVNV Funding LLC ("LVNV") owns both referenced accounts for [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of these accounts owned by LVNV Please review the following account information: Account No [redacted] Reference No [redacted] Original Creditor: [redacted] This account originated on August 17, with [redacted] This account charged off on June 30, with a balance of $3,This account was purchased from [redacted] ***on January 28, 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 January The total current balance as of the date of this communication is $3,249.93, which includes a principal balance of $3,and an interest balance of $ Additionally, this account is accruing interest at a rate of percentEnclosed are bill statements for your review Account No [redacted] Reference No [redacted] Original Creditor: [redacted] This account originated on September 2, with [redacted] This account charged off on May 31, with a balance of $2,This account was purchased from [redacted] ***on January 28, The last payment in the amount of $was received on November 22, No payments have been received on this account since Resurgent started servicing it in January The total current balance as of the date of this communication is $3,070.55, which includes a principal balance of $2,and an interest balance of $ Additionally, this account is accruing interest at a rate of percentEnclosed are bill statements for your review All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditor Those 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 LVNV The original creditor may also continue to report the history of these accounts from the origination date to the time of sale In accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agenciesThey will continue to report as such throughout the permissible reporting period unless new information indicates that the disputes should be removedResurgent 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 The consumer reporting agencies reporting guidelines have defined a "factoring company" as a company or individual who purchases accounts with the intent of collecting debts owed Therefore, the term is accurate in this situation and the account is reported correctly The term “open” in [redacted] ’s credit report does not literally mean that the accounts are 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 he will need to contact the respective credit reporting agencies Resurgent utilizes third party collection agencies to service accounts on its behalf These accounts have been placed with various collection agencies since LVNV’s acquisition Any notification requirements for these accounts would have been met by these collection agenciesEnclosed for review are copies of the notification letters dated March 12, These letters included notification that a “negative credit bureau report reflecting on [ [redacted] ’s] credit record may be submitted to a credit reporting agency by the current account owner if [ [redacted] ] fails to fulfill the terms of [his] credit obligations.” Resurgent follows all applicable state laws regarding collections activities In the letter to the Revdex.com dated April 10, 2014, Complaint ID [redacted] , [redacted] was provided instructions regarding what to do if he did not believe this was his account or he believed he paid the debt prior to LVNV’s purchase [redacted] did not file an identity theft affidavit, nor did he provide proof of payment on these accounts [redacted] called Resurgent on November 7, and requested a settlement amount on these accounts and wanted the LVNV tradelines deleted from his credit reportWe have a responsibility to report accurately; therefore, Resurgent does not offer a pay for delete optionThe Resurgent representative offered $to settle each account [redacted] countered with offering $for each accountThe counter offer was not accepted and the call was ended If [redacted] decides to accept the offer to settle in full for $for account ending in [redacted] and $for account ending in [redacted] we are happy to extend a payment plan of $a month for each accountThe first payments will be due January 7, 2015; the second payments due February 7, 2015; the final payments due March 7, Upon confirmation that funds have cleared the banking system, both accounts will be updated to "settled in full" and a request to update each of the LVNV tradelines 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] 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 If payment is not received by the 7th of each month beginning January 2015, this account may be placed for further collection activity, and this settlement agreement may be re-evaluatedIt 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 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.P Enclosure(s)