topic Re: Resurgent in Rebuilding Your Credit

Resurgent

shala546 — Fri, 12 Jun 2020 15:28:07 GMT

Hello,

I am in the process of getting this collection item off of my credit, and decided to send a Debt Validation letter to LVNV funding. I received a letter back from Resurgent stating that they received my correspondence disputing the accuracy of an item related to an account. They go on to say that they reviewed the dispute and determined that it did not contain sufficient information to resolve the matter. They are requesting that I contact them or mail information detailing the nature of the inaccuracy along with any supporting documents. I am confused. They should provide documents validating the debt. Is that correct? What would be my next move?

Thanks in advance

Re: Resurgent

FireMedic1 — Fri, 12 Jun 2020 15:55:10 GMT

If the debt is yours, LVNV will delete after a settlement or PIF. Disputing a valid debt will ding you each time it updates.

Re: Resurgent

Anonymous — Fri, 12 Jun 2020 16:03:21 GMT

LVNV owns the debt and Resurgent administers it, and they typically assign it to another 3rd party to collect. So Resurgent is legit to contact you about it. Is the debt not yours or are there errors with the reporting? Why did you send the DV letter? If it is outside of the 30 day window after you received the dunning notice, then I do not think they are legally obligated to respond to your DV letter. In which case they could ask for anything they wanted really. The good news is, Resurgent has a policy to delete after you pay the account. So if you do end up paying them then it will disappear.

Re: Resurgent

vntrsc — Fri, 12 Jun 2020 19:45:52 GMT

A consumer's debt validation rights under the FDCPA are triggered only after receiving an initial communication and the 30-day validation notice. Courts that have ruled on the issue have ruled that finding a collection account has a credit report is not an initial communication. Therefore, you can send a validation request, but the collector can ignore it and continue to report.

Re: Resurgent

kflo01 — Fri, 12 Jun 2020 23:38:43 GMT

IDK I would push more. I say that because when I first started repairing my credit. I had a charge off that they were trying to collect on. When I wrote a letter for validation they sent me back a statement of my bill........only thing was it didn't have my name, address or anything on it. It was just the last statement and what was owed. Well, it was before I found this forum and I was like well I guess that's good enough and I just submitted.

If I would have known then what I know now I would have never had let that pass as validation.

So make them validate and prove its yours even if you have to do some work writing a letter or whatever. Worst case they prove its yours and you settle with them and they remove it then. I just wouldn't turn belly up like I did taking some weak as validation as enough.

Re: Resurgent

FireMedic1 — Fri, 12 Jun 2020 23:44:42 GMT

@shala546Two simple questions.

Is it yours?

How much is it.

Re: Resurgent

shala546 — Sat, 13 Jun 2020 12:25:32 GMT

Thanks!

Re: Resurgent

shala546 — Sat, 13 Jun 2020 12:26:04 GMT

Thanks

Re: Resurgent

Anonymous — Sun, 14 Jun 2020 05:06:27 GMT

Yes, I have been fighting LVNV/Resurgent for about 3 months. I sent them information saying I paid before it was sent to them. The amount they are wanting is ridiculous when I paid my original creditor the amount in full. If I owe them anything it would be in the amount of $10. I have a second one with them, but they pushed it off to another collection agency.

@kflo01 wrote:
IDK I would push more. I say that because when I first started repairing my credit. I had a charge off that they were trying to collect on. When I wrote a letter for validation they sent me back a statement of my bill........only thing was it didn't have my name, address or anything on it. It was just the last statement and what was owed. Well, it was before I found this forum and I was like well I guess that's good enough and I just submitted.
If I would have known then what I know now I would have never had let that pass as validation.
So make them validate and prove its yours even if you have to do some work writing a letter or whatever. Worst case they prove its yours and you settle with them and they remove it then. I just wouldn't turn belly up like I did taking some weak as validation as enough.