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RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted] Bank (USA), N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $10,568.06 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 3, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on May 19, 2008. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $10,568.06. Please review the following account information: 1. This account originated on October 1, 2003 with [redacted] Bank (USA), N.A. 2. This account charged off on April 24, 2008 with a balance of $5,727.92. 3. No payments have been received on this account since Resurgent started servicing it in May 2008. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. A judgment was obtained December 4, 2008 in the Commonwealth of [redacted], Bullitt Circuit Court Division with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If Ms. [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to that source. Enclosed is a copy of the judgment for your review. The judgment was recorded with the Commonwealth of [redacted], Bullitt Circuit Court and a lien was attached to the real estate owned by Ms. [redacted]. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 2, 2008. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate Ms. [redacted]’s claim(s), we will take any necessary steps to resolve this account. If Ms. [redacted] has evidence that the account was written off, please send it to the address below. Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. If Ms. [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate action. Evidence regarding hardships should be sent to the following address below. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated December 11, 2017 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. LVNV is licensed where appropriate. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Our previous response to Ms. [redacted]’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the 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 Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
The dunning letters were sent to a very old address, which I lived in 2 years ago. I moved out of state twice and have informed the new adresses to the united states postal service. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
The reason I do not accept is this is because it is not proof that this debt belongs to me. This is a debt that I...

do not recall and I have never received any correspondence from [redacted], resurgent,or lvnv in regards to the alleged debt I wish to have this removed from my credit report due to the fact That I do not think it is a debt I have incurred.
Regards,
[redacted]

February 27, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] Dear Ms. R[redacted]: This letter is in response to your correspondence dated February 19, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Our records indicate that we have already received and responded to a previous inquiry dated February 5, 2018 which is substantially the same as his February 19, 2018 dispute. Resurgent previously submitted a request to the original creditor investigating Mr. [redacted]’ claim that these accounts should not have been charged-off due to Mr. [redacted]’ credit counseling program. [redacted], N.A. confirmed that their records do not indicate that previous settlement arrangements were made regarding the above-referenced accounts, subsequently the debts were charged-off and the accounts were sold. If Mr. [redacted] would like to discuss payment arrangements for these accounts, he may contact Customer Service at the number below. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, L. R[redacted] Compliance Department Resurgent Capital Services L.P.

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated November 6, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’s November 6, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 26, 2017 which is substantially the same as her November 6, 2017 dispute. Because her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As stated in our previous response, Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate Ms. [redacted]’ claim(s), we will take any necessary steps to resolve this account. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.

Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $8,346.51 Dear [redacted] This letter is in response to your correspondence dated April 1, 2016 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 b[redacted]. on or about December 23, 2015. As of the date of this communication, the account balance is $8,346.51. Please review the following account information: 1. This account originated on June 20, 2012 with [redacted] and was opened with [redacted] 2. This account charged off on April 23, 2013 with a balance of $8,346.51. 3. No payments have been received on this account since Resurgent started servicing it in December 2015. 4. Enclosed please find copies of the [redacted] and [redacted]” and a letter advising you of the deficiency after the repossession sale. [redacted] complaint dated April 1, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted]), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the [redacted] website: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: Compliance Department or Fax: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. 
Sincerely, [redacted] Resurgent Capital Services L. P.

October 25, 2017 Cindy R[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 Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 20, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Enclosed is a copy of the notice that was sent on or about March 23, 2017 advising that information may be reported to the consumer reporting agencies if the debt is not paid. Our previous response to Mr. [redacted]’s inquiry provided him with verification of debt as required by the Fair Debt Collection Practices Act. 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. As advised in our previous response, Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. If Mr. [redacted] is experiencing this type of involuntary hardship, we ask that he please provide us with evidence of the hardship or reliance on fixed income so that we may review his circumstances and take appropriate action. Evidence regarding hardships should be sent to the following address: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

[redacted] 
[redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM August 16, 2016 [redacted] Revdex.com of Upstate South...

Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] Dear [redacted] This letter is in response to your correspondence dated August 15, 2016 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 December 15, 2014. As of the date of this communication, the account balance is $846.22. Please review the following account information: 1. This account originated on April 2, 2012 with [redacted] 2. This account charged off on November 24, 2014 with a balance of $842.53. 3. The last payment in the amount of $5.50 was received on March 3, 2014. 4. No payments have been received on this account since Resurgent started servicing it in December 2014. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Based on information contained in our account records, the tradeline for this account should not be deleted. It will continue to report for the remaining reporting period unless new facts require a change. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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. The enclosed letter containing the validation notice was previously mailed to [redacted] on December 16, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Furthermore, Resurgent also provided verification in response to [redacted] previous Revdex.com inquiry submitted on August 21, 2015. This account has been properly verified, as required by the FDCPA. As a follow up to [redacted] previous inquiry, enclosed please find the charge off statement, terms and conditions, and an account summary on file for this account. We are confident the information provided is sufficient to resolve this complaint. If, after reviewing 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... [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] 
[redacted] 
[redacted] 
[redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/16/2016 11:40:40 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account Information[redacted] LLC[redacted]Zip Code: [redacted] Date of Last Payment 03/03/2014Current Balance Due $846.22Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 04/02/2012The account charge-off date was: 11/24/2014The account charge-off amount was: $842.53The account was acquired on or about: 12/15/2014The account was acquired from: [redacted]The account balance at time of acquisition: $842.53This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.

Please see the attached response.
January 8, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No.[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner:...

LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $655.44 Dear [redacted] This letter is in response to your correspondence dated January 7, 2016, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about January 16, 2015. As of the date of this communication, the account balance is $655.44. Please review the following account information: 1. This account originated on June 21, 2013, with [redacted]. 2. This account charged off on December 28, 2014, with a balance of $655.44. 3. The last payment in the amount of $30.00 was received on May 18, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2015. 5. Enclosed are bill statements, terms and conditions and an account summary for your review. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for [redacted], utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. Furthermore, enclosed is a copy of the letter Resurgent mailed [redacted], which included the validation notice. We apologize for [redacted]’s inconvenience she may have experienced in her attempts to try to contact us regarding this account. Due to the inconvenience she has experienced, we would like to offer to satisfy in full for $250.00. Upon confirmation that the funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies. Payment(s) may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. [redacted] If payment is not received by the February 15, 2016, this account may be placed for further collections, and this payment agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous payment arrangements have been made. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated January 12, 2018 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] Bank (USA), N.A. charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. As explained in our previous response, Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. If Ms. [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate action. Evidence regarding hardships should be sent to the following address: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.

RE: [redacted]; Revdex.com Case #: [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted], This letter is in response to the Revdex.com (“Revdex.com”) inquiry...

received January 26, 2018 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 account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on April 30, 2014 with [redacted] Bank, N.A. (“[redacted]”). The last payment in the amount of $77.95 was received on January 4, 2015. The account charged off on August 6, 2015 with a balance of $1,046.39. The current account balance is $1,046.39. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is February 5, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November 2021 Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. We are enclosing a letter sent to Mr. [redacted] by our servicer on September 18, 2015, informing him that a negative credit bureau report may be submitted. The enclosed letter containing verification of debt was mailed to Mr. [redacted] on September 21, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. We are enclosing additional bill statements and terms and conditions on file for your review. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Communications, Inc. Original Creditor: [redacted] Communications, Inc. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $584.88 Dear Ms. [redacted]: This letter is in response to your correspondence dated November 14, 2016 regarding the above-referenced account. [redacted] Funding LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on November 7, 2012. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $584.88. Please review the following account information: 1. This account originated on November 19, 2009 with [redacted] Communications, Inc. 2. This account charged off on August 11, 2010 with a balance of $518.71. 3. No payments have been received on this account since Resurgent started servicing it in November 2012. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to [redacted] when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as “disputed” to the three major consumer reporting agencies on behalf of [redacted]. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the [redacted] 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. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. Mr. [redacted]’ November 14, 2016 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. Mr. [redacted]’ inquiry dated November 14, 2016 is the first written communication that Resurgent has received from him regarding the above-referenced account. Our records do not indicate that we have received a fraud affidavit from him. If, after reviewing the above-referenced information, Mr. [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 Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, T. H[redacted] Complaint Department Resurgent Capital Services L.P. Enclosure

Revdex.com:My attorney stated that as long as there is no contact with me then they should be fine. If you have questions contact my attorney who is dealing with my chapter 7. No collection is to be done on any of these accounts or they will have to deal with my attorney.The case is filed with court so no one can do any more contact with me in regards with any of these accounts. So please make [redacted] and [redacted] bank aware of this so they stop sending me letters.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $570.76 Dear Ms. [redacted]: This letter is in response to your correspondence received July 27, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $570.76. Please review the following account information: 1. This account originated on September 27, 2015 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $253.94 was received on April 20, 2016. 3. This account charged off on December 4, 2016 with a balance of $570.76. 4. No payments have been received on this account since Resurgent started servicing it in January 2017. 5. Enclosed are bill statements, terms and conditions, and an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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. The consumer reporting agencies’ reporting guidelines define 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 being reported correctly according to that definition. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Enclosed is a copy of the notice that was sent on or about February 21, 2017 advising that information may be reported to the consumer reporting agencies if the debt is not paid. This letter also includes the validation notice. Ms. [redacted]’ July 27, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I sincerely appreciate you taking the time to send this information.However, I am not looking for proof that LVNV...

Funding owns this debt, I want proof that this debt is mine. The documents sent are evidence that LVNV funding owns this debt. Please send evidence that this debt belongs to me.Thank you in advance for your time and cooperation.
Regards,
[redacted]

RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] 
Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated May 15, 2017 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. As advised in our previous response, if Ms. [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 to the address below in order to help us resolve this matter. Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] does not wish to dispute this account as fraud, and instead would like to make payment arrangements, she may contact Customer Service at the number below. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full” and a request to update the [redacted] tradeline to “account paid in full” will be submitted to the three major consumer reporting agencies. Please be advised, we do not accept payment in exchange for tradeline deletion. If the account is paid, it will report as paid to the consumer reporting agencies. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P.

Dear Ms. [redacted]: This letter is in response to your correspondence dated November 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 14, 2013. Resurgent Capital Services LP ("Resurgent") is the...

servicer of the account owned by LVNV. As of the date of this communication, the account balance is $1,106.32. Please review the following account information: 1. This account originated on May 27, 2009 with [redacted] Bank Nevada, N.A. and was opened with [redacted]. 2. This account charged off on October 31, 2011 with a balance of $568.13. 3. The last payment in the amount of $42.00 was received on September 3, 2011. 4. No payments have been received on this account since Resurgent started servicing it in June 2013. 5. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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. Ms. [redacted]’s inquiry dated November 15, 2016 is the first written communication that Resurgent has received from Ms. [redacted] regarding the above-referenced account. We are providing the above-referenced account summary as verification of debt. If, after reviewing the above-referenced information, Ms. [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 Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosure ACCOUNT SUMMARY REPORT11/17/2016 9:16:04 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Cir Resurgent Reference # [redacted]City: [redacted] Original Creditor HSBC Bank Nevada, N.A.State: TX Account Number [redacted]Zip Code: [redacted]-3105 Current Balance Due $1106.32Date of Last Payment 09/03/2011Historical Account InformationThe original creditor for this account was: [redacted] Bank Nevada, N.A.The origination date with original creditor was: 05/27/2009The account charge-off date was: 10/31/2011The account charge-off amount was: $568.13The account was acquired on or about: 06/14/2013The account was acquired from: Capital One, N.A.The account balance at time of acquisition: $1,013.51This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1

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 was done to a disabled lady, unable to pay any bills.  They where the ONLY vultures to do this, everone...

else wrote claims off.  Done without any notice.
 
Regards,
[redacted]

This letter is in response to your correspondence dated February 17, 2016 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...

subsequently acquired by LVNV on or about January 16, 2015. As of the date of this communication, the account balance is $951.77. Please review the following account information: 1. This account originated on October 7, 2012 with [redacted] 2. This account charged off on December 14, 2014 with a balance of $951.77. 3. The last payment in the amount of $75.00 was received on April 14, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2015. 5. Enclosed are the terms and conditions, bill statements and an account summary on file for this account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the [redacted], the LVNV tradeline for this account 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. Our records indicate that a lawsuit, [redacted], was filed on August 12, 2015 in the [redacted], and was dismissed without prejudice. Due to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the account. If, after reviewing 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 [redacted]. If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] 
[redacted] 
[redacted] 
[redacted] 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]

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