Resurgent Capital Services LP

** *** *** *** *** ** *** Toll Free Phone 1-888-665-0374 Greenville, SC Toll Free Fax *** Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM January 12, 2015 *** ** *** Revdex.com of Upstate South
Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No*** Reference Numbers: *** *** Dear *** ***: This letter is in response to your correspondence dated January 5, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on December 2, with *** *** *** *** and was opened with *** *** ***. This account charged off on November 7, with a balance of $125.00. This account was purchased from ** *** *** on November 26, 2008. No payments have been received on this account since Resurgent started servicing it in November 2008. The current balance of this account is $648.18. An account summary is enclosed for this account. Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on December 23, with *** *** *** *** and was opened with ***. This account charged off on October 30, with a balance of $347.91. This account was purchased from ** *** *** on November 26, 2008. No payments have been received on this account since Resurgent started servicing it in November 2008. The current balance of this account is $1,502.68. An account summary is enclosed for this account. All ownership rights were transferred to LVNV when these accounts were purchased from the previous ownersThose 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 these accounts, a request to delete LVNV tradelines will be submitted to the three major consumer reporting agencies during the next reporting cycle. If, after review of the above-referenced information, *** *** 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.pdf. If 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 complaint. In addition, if *** *** has any correspondence to/from the previous owners 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)

February 18, 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: $5,386.23 Dear *** *** This letter is in response to your correspondence dated February 10, 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 $5,Please review the following account information: This account originated on July 3, with *** *** *** *** and was opened with *** ***. This account charged off on February 4, 1998. No payments have been received on this account since Resurgent started servicing it in September 2011. Please find enclosed an account summary 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, LVNV is not reporting the account to the major consumer reporting agencies. *** *** 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 *** ***’s responsibility for the balance due on this account. *** ***’s inquiry dated February 10, contained a notice demanding that we cease communication with herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our 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

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 didn't get the loan through Resurgent, I got it through *** ***I was not given a choice in being sold to resurgentI never made a late payment with previous os companyA billing statement is required as I am required to send to send payment stub with my check.the billing invoice was not a courtesy with the company I acquired the loan from and the same policy should be carried over to a company that buys my loan with out my approvalAlso Resurgent admitted fault in saying there had been glitches related to my account which have been supposedly resolvedHowever it is November 14th and I have not received an invoice for payment due November 15th.
Regards,
*** ***

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.
Although the account has been closed, waiting until the next reporting cycle to the credit bureaus, is not satisfactory. On top of that if it takes 30-days for it to be removed, I am looking at months until it no longer appears on the reports. This will impact me being able to obtain any kind of loan. I have applied for a mortgage loan and was told this account was the declining factor. I see no reason why Resurgent cannot have it removed immediately. I have discussed this again with my attorney, whose name I am willing to provide, and he stressed again the fact that I can file suit against the company. Therefore, I am requesting the credit bureaus be notified immediately to remove this from my reports. Once this is accomplished, I will consider the account closed to my satisfaction
Regards,
*** ***

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.
Regards, because address was incorrect is why I have a judgement in ***
*** ***

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'm disputing not disputing public records or credit reporting I am complaining about the fact that I paid and completely satisfied the debt in and have not received a judgement satisfaction from you either sent to the court or sent to me You accepted satisfaction of the judgement and have not informed the court that the judgement is satisfied It has been over years and that is unacceptable
Regards,
*** ***

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. Regards,*** *** The response does not answer to my previous complaint, I requested verification of the original debts nd that the account be removed from my credit files,which they failed to provide and the only response was " 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 November 26, 2008. " this only states the date the account was purchased by lvnv, again, since they cannot provide verification of the original debt,I would like this be removed from the credit reporting agencies, not just updated to "settled in full"Thanks

October 17,
*** ** ***
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 17, regarding the referenced consumerLVNV Funding LLC ("LVNV") owns the two above-referenced accounts for *** ***. Resurgent Capital Services LP ("Resurgent") is the servicer of these accounts owned by LVNV. Please review the following account information:
Account No. ***
Reference No. ***
Original Creditor: *** *** *** ***
This account originated on July 1, with *** *** *** *** and was opened with *** ***
This account charged off on November 7, with a balance of $1,
This account was purchased from ** *** *** on November 26,
No payments have been received on this account since Resurgent started servicing it in November
The current balance of this account is $4,
Enclosed is an account summary.
Account No. ***
Reference No. ***
Original Creditor: *** *** *** ***
This account originated on November 12, with *** *** *** ***and was opened with *** *** *** ***
This account charged off on November 30, with a balance of $4,
This account was purchased from *** *** *** ***on May 25,
The last payment in the amount of $was received on April 3,
No payments have been received on this account since Resurgent started servicing it in May
The current balance of this account is $5,
Enclosed are bill statements addressed to *** *** *** and *** *** reflecting the same address that *** *** has provided on his complaint dated October 17,
All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors. 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 creditors 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 dispute should be removed.
Resurgent 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
If, after review of the above referenced information, *** *** believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf.
If 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 complaint.
In addition, if *** *** has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to:
Compliance Department or Fax: ***
** ***
*** *** ***
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)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me From what I understand they are deleting the records from all three credit agenciesIf this is incorrect please let me know
Regards,
*** ***

** *** *** *** *** ** *** 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: $1,Dear *** ***: This letter is in response to your correspondence dated November 10, 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 18, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on January 18, with *** *** *** *** This account charged off on January 25, with a balance of $The last payment in the amount of $was received on June 15, No payments have been received on this account since Resurgent started servicing it in February Enclosed please find a charge off statement, account summary, and an itemization regarding this 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 saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received multiple disputes that *** *** 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 is in receipt of *** *** correspondence dated May 27, instructing us to cease and desist collection effortsWhen 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, *** *** believes this account is fraudulent, we ask that you 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 *** *** dispute, it may help with our investigation, please 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 %

October 23,
*** ** ***
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 your correspondence dated October 21, 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 not reporting to the three major consumer reporting agenciesWe apologize for any inconvenience experienced regarding this account
Acct No.***
Original Creditor: *** *** *** ***
If you have any further questions, comments or concerns, please contact Customer Service at ***
Sincerely,
** ***
Compliance Department
Resurgent Capital Services L.P

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 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. We apologize for any inconvenience experienced regarding this account
Acct No***
Original Creditor: *** *** ***
If you have any further questions, comments or concerns, please contact Customer Service at ***
Sincerely,
** ***
Compliance Department Resurgent Capita

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 24, 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 17, 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 his March 17, disputeBecause *** ***’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. Enclosed is the previous response to this complaint in which we advised 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 owedTherefore, the term is accurate in this situation and the account is reported correctly. Resurgent is licensed in all states in which it collectsAdditionally, our licensing information is readily available from the *** Secretary of State websiteThis account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”)Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s) ?

March 12, 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: $1,334.66 Dear *** *** This letter is in response to your correspondence dated March 4, 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 April 14, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 2, with *** *** *** ***. This account charged off on March 8, with a balance of $619.53. The last payment in the amount of $was received on August 1, 2008. No payments have been received on this account since Resurgent started servicing it in April 2009. Please find enclosed bill statement and account summary 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. Resurgent received the electronic dispute that *** *** *** submitted through the consumer reporting agenciesResurgent responded 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 removed. Receipt of this complaint is the first written communication, that Resurgent has received from *** *** *** regarding the above-referenced accountAdditionally, *** *** *** has not been contacted by Resurgent directly; however, we 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 debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. 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 ***
*** LLC 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. Enclosures

December 17,
*** ** ***
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 December 16, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by ** *** *** on or about November 26, As of the date of this communication, the account balance is $1,Please review the following account information:
This account originated on March 7, with *** *** *** *** and was opened with *** *** CreditThis account charged off on September 17, with a balance of $No payments have been received on this account since Resurgent started servicing it in November 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”)A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle
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 owedTherefore, the term is accurate in this situation and the account was reported correctly.
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 agenciesOur records indicate *** *** previously submitted to this office on October 9, 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 customer
Please find enclosed 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 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 *** Buyer Credit 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)

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 10, 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: $2,962.76 Dear *** *** This letter is in response to your correspondence dated March 4, 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 *** Financial Services Of ***, Inc("***") on or about June 7, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on March 6, with *** *** *** *** and was opened with ***. This account charged off on November 23, with a balance of $2,263.30. The last payment in the amount of $was received on April 28, 2010. No payments have been received on this account since Resurgent started servicing it in June 2013. Enclosed is the loan application, loan agreement and an account summary 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. Resurgent received the multiple electronic disputes that *** *** *** 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 removed. 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 owedTherefore, the term is accurate in this situation and the account is reported correctly. *** *** *** letter asserts that LVNV “re-ages” accountsWe believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrectIt is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit reportThis is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is July 23, The tradeline will be deleted on or before April 23, 2017. If, after review of the above-referenced information, *** *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** *** has any correspondence to/from *** Financial Services Of ***, Inc., *** Financial Services, Incand/or *** concerning his/her dispute, it may help with our investigation, so please have him/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)

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

November 18, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:    [redacted]; Case/File No.[redacted]
            Reference Number:  [redacted]
 
Dear [redacted]
 
This letter is in response to the additional concerns submitted by [redacted] dated November 12, 2014 regarding the above referenced account.  LVNV Funding LLC ("LVNV") owns the account number ending in[redacted] Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.
 
[redacted] charged off this debt and sold the account.  It is likely that [redacted] believes that the “Charge-Off” means that the debt is satisfied; however, this is not the case.  Charge-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 creditor.  It does not affect the debtor’s responsibility for the account debt. 
 
After charge-off, an account remains collectible, and if sold, the current owner has the right to collect.  Derogatory account information may remain on a credit report for up to seven years.  It is the “Date of First Delinquency” that the consumer reporting agencies (also known as “credit bureaus”) use to determine the start of the 7-year reporting period for a charged off account.  The “Date of First Delinquency” for this account is May 16, 2008.  Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle.
 
We have communicated with [redacted] and they have confirmed that this account was not settled.
 
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 15, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted]; Case/File...

No.[redacted]
 
Dear [redacted]:
 
This letter is in response to your correspondence dated October 13, 2014 regarding the above referenced account.  LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted].  Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.
 
Resurgent would like to thank you for bringing this matter to our attention.  After investigating the account, 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 cycle. Please allow 30 to 45 days for this update to occur.  We apologize for any inconvenience experienced regarding this account.
 
Acct No. [redacted]
Reference No. [redacted]
Original Creditor:[redacted]
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
 
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.

October 28, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:      [redacted];...

Case/File No.[redacted]
            Original Creditor:         [redacted]
            Current Owner:            LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:    [redacted]
            Current Balance:          $3,390.18
 
Dear [redacted]:
 
This letter is in response to your correspondence dated October 23, 2014 regarding the above referenced account.  LVNV Funding LLC ("LVNV") owns the account number ending in [redacted].  Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV.  The account was previously sold by [redacted] on or about November 30, 2005.  As of the date of this communication, the account balance is $3,390.18.  Please review the following account information:
 
This account originated on June 1, 1998 with [redacted] and was opened with [redacted].
This account charged off on May 25, 2005 with a balance of $1,445.01.
The last payment in the amount of $20.00 was received on August 17, 2004.
No payments have been received on this account since Resurgent started servicing it in November 2005.
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”).  This account is not being reported to the three major consumer reporting agencies.
 
An account summary is enclosed.  If, after review of the above referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit in order to help us resolve this matter.  Blank forms are available at the FTC's website:  http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 
 
If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. 
 
In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to:
 
                        Compliance Department          or         Fax:  [redacted]
                        [redacted]
                        Greenville, SC 29603
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
 
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.                      
 
Enclosure(s)