Resurgent Capital Services LP

February 19, [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: XXXXXXXXXXX*** Reference Number: [redacted] Current Balance: $1,Dear [redacted] : This letter is in response to your correspondence dated February 18, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about September 12, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 26, with [redacted] *** This account charged off on August 5, with a balance of $1,The last payment in the amount of $was received on April 22, No payments have been received on this account since Resurgent started servicing it in September Please find enclosed bill statements and an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleThis account is placed in a cease and desist statusWhen an account is placed in a cease and desist status, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerWe would like to offer to settle this account in full for $The settlement may be broken into three monthly payments, two payments in the amount of $and one in the amount of $Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled in full" and a request to update the LVNV tradeline to "account paid in full for less than the full balance" will be submitted to the three major consumer reporting agenciesPayments may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payments by phoneIf mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the accountResurgent Capital Services L.P [redacted] *** Greenville, SC If payment is not received by the 27th of each month, starting March 2015, this account may be placed for further collections, and this settlement agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous settlement arrangements have been madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint This business is a DEBIT COLLECTION AGENCYThey did not PAY the amount they SAY I OWE which I DO NOTThey PAID A FRACTION OF THE SO CALLED DEBIT.That STATEMENT now shows the DEBIT COLLECTION AGENCY FRAUDI am innocent until proven GUILTYThis ATTEMPT to collect is ILLEGAL and there are laws to protect meTHEY are to remove this claim IMMEDIATIALY or I will take FULL LEGAL ACTION AGAINT THEM including the USPS Post Master General and local the local law enforcement.The law for consumer DEBIT COLLECTION AGENCY protection is clearly being broken in this matter.The documents that have supplied you and I are now on record to prove the FRAUD Regards, [redacted]

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 26, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] : This letter is in response to your correspondence dated March 19, 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 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on September 1, with [redacted] and was opened with [redacted] This account charged off on October 22, with a balance of $The last payment in the amount of $was received on April 18, 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 saleResurgent received the electronic dispute that [redacted] submitted through the consumer reporting agenciesResurgent responded to the dispute 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 removedResurgent 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 complaintResurgent has not spoken with [redacted] by phoneNor have we received any written correspondence, prior to the complaint dated March 19, 2015, from [redacted] requesting we cease contact with herWe do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsWe apologize for any inconvenience [redacted] may have experienced regarding the collection of this accountOur records indicate [redacted] complaint contains a notice demanding that we cease communication with herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***, [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.PEnclosure

November 5, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1, Dear [redacted] This letter is in response to your correspondence dated October 31, regarding the above referenced account LVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV The account was previously sold by [redacted] on or about July 1, As of the date of this communication, the account balance is $1, Please review the following account information: This account originated on May 2, with [redacted] The last payment in the amount of $was received on November 4, Please note that Resurgent is not required to furnish billing statements and that they are provided as a courtesy only While we understand [redacted] ’ frustration, lack of a statement does not affect the debtor’s responsibility to make timely payments After investigating [redacted] ’ account, it appears that any prior technical issues with the issuing of statements for this account has been resolved and [redacted] should have no further problems If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

March 2, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated February 24, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ***on or about February 12, Please review the following account information: This account originated on October 23, with [redacted] Nevada, N.AThis account charged off on January 31, with a balance of $The last payment in the amount of $was received on February 15, 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 LVNV as “Account Paid in Full for Less than the Full Balance”In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Account Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on April 23, [redacted] ’s complaint requests validation of debt, we have verified this account was settled in full on February 15, for $The status of the account was updated to "Settled in Full" on February 21, The account is considered resolved in our officeAdditionally, Resurgent 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 agenciesReceipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountResurgent would like to thank [redacted] ** [redacted] for bringing this matter to our attentionAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintHowever, as a courtesy, 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 accountIf 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 I did initially requested that Resurgent validate this alleged account per the FDCPA §in a letter dated Sept which Resurgent receivedI did received a letter earlier from Resurgent Capital Services dated Oct 1, stating that Resurgent had initiated a review of my inquiryThe letter also states that should I desire to pay on the account I can contact the toll free numberThe letter also includes the standard language regarding my legal rights that “This is an attempt to collect a debt and any such information obtained with be used for that purposeThis letter is from a debt collector.” The “account summary” they have provided in their response does not provide sufficient validation or verification of this debt including the current oneResurgent's information concerning this alleged debt is still considered inaccurate which violates USC 1681s-and in dispute.Resurgent Capital Services and LVNV Funding have violated multiple Federal Laws with regard to the attempted collection of dead debt which has even passed 'state of limitation' and have failed to provide any legitimate validation or verification debt per FDCPA §and in accordance with the lawI request Resurgent Capital Services and LVNV Funding to cease and desist, if they fail, I will be seeking additional legal remedies.Regards, [redacted]

February 19, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Numbers [redacted] , [redacted] , [redacted] [redacted] Dear [redacted] This letter is in response to your correspondence dated February 9, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the five referenced accounts for [redacted] ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on June 19, with [redacted] *** This account charged off on November 9, with a balance of $This account was purchased from [redacted] , LLC on December 10, The last payment in the amount of $was received on May 20, No payments have been received on this account since Resurgent started servicing it in December The current balance of this account is $Please find enclosed a bill statement and an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on July 26, with [redacted] ***and was opened with [redacted] ***This account charged off on December 24, This account was purchased from [redacted] on December 24, The last payment in the amount of $was received on May 14, No payments have been received on this account since Resurgent started servicing it in December The current balance of this account is $Please find enclosed an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on August 4, with [redacted] and was opened with [redacted] *** This account charged off on January 9, with a balance of $This account was purchased from [redacted] on January 15, The last payment in the amount of $was received on May 14, No payments have been received on this account since Resurgent started servicing it in January The current balance of this account is $Please find enclosed an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ** This account originated on August 13, with [redacted] **This account charged off on December 16, This account was purchased from [redacted] LLC on September 23, No payments have been received on this account since Resurgent started servicing it in September The current balance of this account is $Please find enclosed an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on October 12, with [redacted] and was opened with *** [redacted] This account charged off on October 19, This account was purchased from [redacted] LLC on September 23, No payments have been received on this account since Resurgent started servicing it in September The current balance of this account is $2,Please find enclosed an account summary for your reviewAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, the account ending in [redacted] is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” for account ending in [redacted] will be submitted to the three major consumer reporting agencies during the next reporting cycleSince the legal time limit for bureau reporting is approaching on accounts ending in [redacted] ***, [redacted] and ***, a request to delete LVNV tradelines will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent received multiple disputes for accounts ending in [redacted] ***, [redacted] and [redacted] 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 bureausResurgent received a dispute for account ending in [redacted] that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to the dispute in the adequate time by providing the corresponding information to the respective credit bureausResurgent utilizes third party collection agencies to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for these accounts would have been met by these collection agencies [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired for these accountsHowever, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] ***’s responsibility for the balances due on these accountsIf, after review of the above-referenced information, [redacted] believes these accounts are 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 these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous creditors concerning 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)

January 27, [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 January 21, 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 After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, the account has been closedAdditionally, the LVNV tradeline is not reporting to the consumer reporting agenciesWe 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

October 24, [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 21, regarding the above referenced account LVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV The account was previously sold by [redacted] on or about January 29, As of the date of this communication, the account balance is $1, Please review the following account information: This account originated on December 12, with [redacted] and was opened with [redacted] This account charged off on January 2, with a balance of $No payments have been received on this account since Resurgent started servicing it in January 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 Receipt of this complaint is the first communication, written or otherwise that Resurgent has received from [redacted] regarding the above referenced account In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle [redacted] is correct that 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] responsibility for the balance due on this accountPlease ask [redacted] to furnish a copy of her credit report so that we can further investigate the [redacted] account she is stating that is being reported from LVNV as "account paid for less than full balance; paid collection." Enclosed please find an account summaryIf, after review of the above referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit in order to help us resolve this matter Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint In addition, if [redacted] has any correspondence to/from [redacted] , [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s)

** *** *** *** *** ** *** *** *** *** ***
Greenville, SC Toll Free Fax ***
Hours of Operation
Monday-Thursday 8:00AM-7:00PM
Friday 8:00AM-5:00PM
November 3,
*** ** ***
Revdex.com of Upstate South Carolina
NChurch
StSuite C
Greenville, SC 29601-
RE: *** ** ***; Case/File No.***
Reference Numbers* *** ***
Dear *** ***:
This letter is in response to your correspondence dated October 27, regarding the referenced
consumerLVNV Funding LLC ("LVNV ") owns two accounts for *** ***Resurgent Capital
Services LP ("Resurgent") is the servicer of these accounts owned by LVNVPlease review the
following account information:
Account No***
Reference No***
Original Creditor: *** *** *** ***
After investigating account number ***, the following account has been closedWe
apologize for any inconvenience experienced regarding this account
Account No***
Reference No.***
Original Creditor: *** *** *** ***
This account originated on May 10, with *** *** *** ***
This account charged off on June 16, with a balance of $
This account was purchased from *** ***, LLC on July 14,
The last payment in the amount of $was received on November 8,
No payments have been received on this account since Resurgent started servicing it in July
The current balance of this account is $1,
The charge off Statement for this account and an account summary are enclosed for your review
All ownership rights were transferred to LVNV when these accounts were purchased from the previous
creditorThose include the right to collect and report to the consumer reporting agencies (also known as
“credit bureaus”)The above referenced accounts are not reporting to the three major consumer reporting
agencies on behalf of LVNV
Resurgent received multiple disputes that *** *** 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
*** *** is correct that the statute of limitations for seeking legal action, such as a judgment,
regarding account number *** has expiredHowever, the account balance is still
collectible as expiration of the statute of limitations does not invalidate the obligation or *** ***’s
responsibility for the balance due on this account
Verification of debt with validation was mailed to *** *** on November 27, and January 10,
regarding account number *** in compliance with the Fair Debt Collection
Practices Act (“FDCPA”)Enclosed is a copy of these letters for your review
Resurgent is in receipt of *** ***’s letter dated January 29, regarding account number
*** requesting we cease communication with youWhen 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
Resurgent recognizes that some customers may be experiencing significant involuntary financial hardship
due to medical issues or natural disasters which make it difficult or impossible to pay their debt
obligationsIf this is the case, please provide us with evidence of the hardship or reliance on fixed
income, as in social security benefits, so that we may review the circumstances and take appropriate
actionEvidence regarding hardships should be sent to the following address:
Compliance Department or Fax* ***
** ***
*** *** ***
Greenville, SC
If you have any further questions, comments or concerns, please contact Customer Service at*** ***
Sincerely,
** ***
Compliance Department
Resurgent Capital Services L.P
Enclosures
ACCOUNT SUMMARY REPORT
11/3/1:46: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: *** *** Owner LVNV Funding LLC
Address: *** *** ** *** *** Resurgent Reference # ***
City: *** *** Original Creditor *** *** *** ***
State: ** Account Number XXXXXXXXXXX***
Zip Code: *** Date of Last Payment 11/08/
Current Balance Summary
Owed Collected Balance
Principal $- $
Interest $- $
Total $1,- $1,
*** The current balance due on this account is: $1,***
Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary
from day to day, authorized persons may contact us at*** to obtain up-to-date balance information
Historical Account Information
The original creditor for this account was: Credit One Bank, N.A
The origination date with original creditor was: 05/10/
The account charge-off date was: 06/16/
The account charge-off amount was: $
The account was acquired on or about: 07/14/
The account was acquired from: *** ***, LLC
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

Revdex.com:I have reviewed the response made by the business in reference to complaint ID***, and have determined that this does not resolve my complaint I have not yet heard a response regarding my rejection on November 27th.I would like to mention that I feel that my true concern is still being dismissedI know persons with a job such as ** ***s, and upon my inquiries I was informed that the company would have access to the records of sent correspondence regarding notifying me of their purchase of my account if it was truly ever sentI was also informed that the company has the capability to remove this mark from my credit report if they so chooseThe rfrom the original creditor will remain on my report regardless, and I understand this completely, but they were unwilling to accept broken down paymentsSince this company is more willing to accept broken down payments, it would have been essential to receive notice from them regarding attaining my account to amend this prior to damaging my credit reportI would appreciate ** ***'s consideration of this action to remove LVNV Funding mark from my credit report since they are unable to prove their attempts to notify me of my debt with them prior to reporting to the credit bureausI still intend to continue my payments on time to the company directly since they admitted clerical errors regarding my account, and hope that they understand that it is possible that a clerical error may have also taken part as to why I didn't know this company purchased my debt, which is the only reason their balance was never paidI would appreciate a response more satisfactory to resolving my true complaint so this matter may be considered settled
Regards,*** ***

November 18,
*** ** ***
Revdex.com of Upstate South Carolina
NChurch StSuite C
Greenville, SC 29601-
RE: *** ***; Case/File No***
Reference Number: ***
Dear *** ***
This letter is in response to the additional concerns submitted by *** *** dated November 12, regarding the above referenced account LVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV
In 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 stated in the previous response that no payments have been received on this account since Resurgent started servicing it on January As requested in the previous response, please ask *** *** to furnish a copy of her credit report so that we can investigate her concerns with how this account is reporting
The total current balance as of the date of this communication is $1,690.39, which includes a principal balance of $and an interest balance of $800.63. Additionally, this account is accruing interest at a rate of percentThe high balance reported is the original placement amount of $If *** *** has additional questions related to the credit bureau reporting, then she will need to contact the respective credit reporting agencies
The account ending in *** is not the same account as the one referenced in this complaint, account ending in ***The account ending in *** originated with *** *** *** ***and opened with *** *** * *** ***Account ending in *** was settled in full for $on February 20,
If you have any further questions, comments or concerns, please contact Customer Service at ***
Sincerely,
** ***
Compliance Department Resurgent Cap

February 24, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No. *** Previous Creditor: *** *** *** *** Original Creditor: ** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $389.26 Dear *** ***: This letter is in response to your correspondence dated February 19, 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 *** *** *** *** on or about September 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on May 20, with ** *** *** and was opened with *** *** *** This account charged off on November 14, 2008. No payments have been received on this account since Resurgent started servicing it in September 2011. Please find an account summary 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”)Since the legal time limit for bureau reporting has passed on this account, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. ** *** *** charged off this debt and sold the accountIt is likely that *** *** believes that the “charge-off” means that the debt is satisfied; however, this is not the caseCharge-off is an accounting requirement which means that an account has been recognized as unlikely to repay and no longer considered an asset to the original creditorIt does not affect the debtor’s responsibility for the account debtAfter charge-off, an account remains collectible, and if sold, the current owner has the right to collectA charged-off account may remain on a credit report for up to seven yearsIt is the “Date of First Delinquency” that the consumer reporting agencies (also known as “credit bureaus”) use to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is May 16, 2008. *** *** 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 *** *** responsibility for the balance due on this account. Additionally, *** *** in her compliant requests that we cease communication with herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information, *** *** 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 *** *** has any correspondence to/from ** *** ***, *** *** *** and/or *** *** *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT

November 20,
*** ** ***
Revdex.com of Upstate South Carolina
NChurch StSuite C
Greenville, SC 29601-
RE: *** ***;
Case/File No***
Previous Creditor: *** *** ***
Original Creditor: *** *** *** ***
Current Owner: LVNV Funding LLC
Account Number: ***
Reference Number: ***
Dear *** ***:
This letter is in response to your correspondence dated November 17, 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 LVNV. The account was previously sold by *** *** *** on or about October 16, 2009. Please review the following account information:
This account originated on September 12, with *** *** *** ***
This account charged off on September 18, with a balance of $The last payment in the amount of $was received on November 17, 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 saleResurgent received multiple disputes that *** *** 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 correctlyThe term “open” in *** *** 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 *** *** has additional questions related to the credit bureau reporting, then he will need to contact the respective credit reporting agencies
We have verified this account was paid in full on November 17, for $710.47. The status of the account was updated to "Paid in Full" on November 17, 2014. The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account
In accordance with the Fair Credit Reporting Act (FCRA), a request to update this account as "Paid in Full" 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 ***
Sincerely,
** ***
Compliance Department Res

** *** *** *** *** ** *** *** *** *** *** Greenville, SC Toll Free Fax *** Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM December 9, *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: *** ***; Case/File No.*** Previous Creditor: *** *** *** Original Creditor: *** *** *** ***Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated December 1, 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 *** *** *** on or about January 18, Resurgent received the transfer of lien from the Original Creditor, *** *** *** ***., on Thursday, December 04, I am enclosing a copy for your reviewThe original will be mailed and *** *** should be receiving it shortlyIf you have any further questions, comments or concerns, please contact Customer Service at *** *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P

March 6, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** ***: This letter is in response to the
additional concerns submitted by *** *** dated February 27, 2015 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. Please be advised Resurgent has reviewed *** ***’s dispute and our records indicate we have already responded to a previous inquiry substantially the same as her February 27, disputeEnclosed is the previous response to this complaint dated February 24, Because *** ***’s dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of the dispute. Additionally, a request to satisfy the judgment has been submittedWe apologize for any inconvenience experienced regarding this account. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure

** *** *** *** *** ** *** Toll Free Phone*** Greenville, SC Toll Free Fax *** Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM November 14, *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C
Greenville, SC 29601-RE: *** *** ***; Case/File No* *** Previous Creditor: *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $Dear *** ***: This letter is in response to your correspondence dated November 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 *** *** *** on or about May 21, As of the date of this communication, the account balance is $Please review the following account information: This account originated on January 26, with *** *** *** *** This account charged off on April 6, with a balance of $The last payment in the amount of $was received on October 15, No payments have been received on this account since Resurgent started servicing it in May Enclosed is an account summary and billing statement 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*** *** 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 *** *** responsibility for the balance due on this account*** *** *** *** charged off this debt and sold the accountCharge-off is an accounting requirement which means that an account has been recognized as unlikely to repay and no longer considered an asset to the original creditorIt does not affect the debtor’s responsibility for the account debtAfter charge-off, an account remains collectible, and if sold, the current owner has the right to collectDerogatory account information may remain on a credit report for up to seven yearsIt is the “Date of First Delinquency” that the consumer reporting agencies use to determine the start of the seven year reporting period for a charged off accountThe “Date of First Delinquency” for this account is September 5, The tradeline will be deleted on or before June 5, If, after review of the above referenced information, *** *** 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 *** *** has any correspondence to/from *** *** *** *** and/or *** *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at*** *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.PEnclosures ACCOUNT SUMMARY REPORT11/14/2:49:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: *** *** Owner LVNV Funding LLCAddress: *** *** ** Resurgent Reference #***City: *** Original Creditor *** *** *** ***State: GA Account Number XXXXXXXXXXX***Zip Code: *** Date of Last Payment 10/15/2008Current Balance SummaryOwed Collected BalancePrincipal $- $414.60Interest $- $454.87Total $- $869.47*** The current balance due on this account is: $***Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at *** to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: *** *** *** ***The origination date with original creditor was: 01/26/2007The account charge-off date was: 04/06/2009The account charge-off amount was: $414.60The account was acquired on or about: 05/21/2009The account was acquired from: *** *** ***The account balance at time of acquisition: $414.60This 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 1*** Account:*** *** *** *** Customer Service:***24/Online Account Access: ***Send Inquiries To: *** *** *** *** *** *** *** *** ** ***Statement Closing Date Total Credit Line Available For Purchases Available For Cash New Balance04/05/$$$$414.60Payment Due Date Amount Over Credit Line (OCL) Amount Past Due Amount Due This Period Minimum Payment Due04/30/$$$$414.60To avoid OCL fees, pay the greater_____ of the "Amount OCL" or the "Minimum Payment Due" by the due date.Trans Date Post Date Reference Number Activity Since Last Statement Amount04/04/SERVICE CHARGE CLOSED ACCTMAINT FEE *FINANCE CHARGE* 3.0004/04/LATE FEE 29.00*FINANCE CHARGE* PURCHASES $CASH ADVANCE $6.91YOUR ACCOUNT IS SCHEDULED TO BE CHARGED OFF.THE BALANCE WILL BE DUE IN FULLCALL *** ***YOUR ACCOUNT IS CURRENTLY CLOSED.Are You Worried About The Credit Crunch?You can continue to build a positive credit history even inthese tough timesSimply pay your Credit One Bank billon or before the due dateTo learn more about keeping yourcredit healthy visit CreditOneBank.com and download thefree "Steps to Improved Credit" guide for great tips.Account Summary Previous (+) Purchases, Fees, (-) Payments & (+) FINANCE CHARGE (=) NewBalance Charges & Advances Credits included in APR Balance$$$$$414.60Days This Billing Period: 31Rate Summary Average Daily Monthly Periodic Corresponding ANNUAL PERCENTAGEBalance Rate APR RATE (APR)PURCHASES $1.992% 23.90% 34.27%CASH ADVANCES $1.992% 23.90% 23.90%SEND PAYMENTS TO: *** *** *** *** ** *** ** ***Make check or money order payable in*** *** on a *** *** to *** *** ***Include account number on check or money orderNo cash please.*** *** * * * *** * * *** * ** * *** *** *** *** ***Your Account Number*** *** *** ***Payment Due Date Your New Balance Minimum Payment Due Please Enter Amount Of Payment Enclosed04/30/$$$ .For address and telephone changes, please check the box To ensure proper credit, please return this portion with yourand complete reverse sidepaymentPlease write your account number on your check,made payable to *** *** ***We may process yourpayment electronicallySee payments paragraph on back.*** *** *** *** *** *** *** *** *** *** *** ** *** ** *** *** ** ***!*** *** *** *

March 10, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No*** Reference Number: *** Dear *** ***: This letter is in response to the
additional concerns submitted by *** *** dated March 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 *** *** 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 following account has been closedAdditionally, a request to delete the LVNV tradeline was submitted to the three major consumer reporting agencies (also known as “credit bureaus”) on or around February 24, Please 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 ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
The reply by the business does not begin to answer the complaint. The business fails to realize that the account numbers do not match the current account number. In conversation with the collections department of ***, I was told if we had this type of outstanding account or balance we would not be approved for another account. We have been with *** for over years and our account number is the same as our current account number. I have contacted my attorney regarding this issue and was advised to prepare a certified letter to the business advising them unless this action is stopped and the account removed from my credit reports, the only step left would be to file a legal suit. I am more than happy to provide the name of my attorney of record. I will be sending said letter this week. I have been advised, again by said attorney, to allow days for this issue to be corrected before filing a legal suit
Regards,
*** ***

November 3,
*** ** ***
Revdex.com of Upstate South Carolina
NChurch StSuite C
Greenville, SC 29601-
RE: *** ***; Case/File No
***
Previous Creditor: *** *** *** ***
Original Creditor: *** *** *** *** ***
Current Owner: LVNV Funding LLC
Account Number: ***
Reference Number: ***
Current Balance: $1,
Dear *** ***:
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 *** *** *** *** on or about September 25, 2012. As of the date of this communication, the account balance is $1,195.49. Please review the following account information:
This account originated on September 18, with *** *** *** *** ***
This account charged off on June 12, with a balance of $
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”). 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, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.
Resurgent received a dispute that *** *** submitted electronically through the consumer reporting agency. Resurgent responded to the dispute in the adequate time by providing the corresponding information to the respective credit bureau
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
Enclosed is an account summaryIf, after review of the above referenced information, *** *** 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 *** *** has any correspondence to/from *** *** *** *** *** and/or *** *** *** *** concerning her dispute, it may help with our investigation, so please have her forward it to:
Compliance Department or Fax: ***
** ***
*** *** ***
Greenville, SC
If you have any further questions, comments or concerns, please contact Customer Service at ***
Sincerely,
** ***
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)