ADR Services

Please see Resurgent's attached response to the referenced complaint.June 3, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated May 27, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent would like to thank [redacted] for bringing this matter to our attentionWe have investigated the account and have submitted a request to the three major consumer reporting agencies (also known as “credit bureaus”) to delete the LVNV tradelinePlease allow to days for this update to occurWe apologize for any miscommunication regarding the credit reporting status of *** [redacted] account and have taken steps to prevent future confusionThe following account is considered resolved in our office, and we apologize for any inconvenience [redacted] may have experiencedAcct 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 LP

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

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 4, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated May 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 [redacted] , Inc(" [redacted] ") on or about November 7, 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, and has never reported, the account to the major consumer reporting agenciesThe original creditor may continue to report the history of this account from the origination date to the time of saleWe are unable to alter the credit bureau reporting of another creditor [redacted] should contact the respective consumer reporting agencies regarding information she believes is being reported in errorIf [redacted] has a copy of her credit report indicating LVNV is reporting the account, please have her provide us a copy of the credit report so we may further investigate the matterWe have verified this account was settled in full on April 21, for $The status of the account was updated to "Settled in Full" on April 22, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 3, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear [redacted] Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concernsWe respectfully disagree with [redacted] statements regarding our company’s practices [redacted] ** [redacted] This letter is in response to your correspondence dated July 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about September 15, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on October 8, with [redacted] ***This account charged off on August 14, with a balance of $The last payment in the amount of $was received on January 9, No payments have been received on this account since Resurgent started servicing it in September Enclosed are bill statements and an account summary for [redacted] 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 saleReceipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleAdditionally enclosed is a copy of the letter dated September 17, mailed to [redacted] advising a negative credit report may be submitted to the credit reporting agencies if the account was not paidThe “Date of First Delinquency” marks the beginning of the time period for which negative information may remain on a credit bureau reportFor a charged-off account, the Date of First Delinquency is the first date of the delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first time the account was delinquentThis date is reported in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”)The Date of First Delinquency for this account is February 13, A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies on or around November 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 correctlyThe term “open” in [redacted] credit report does not literally mean that the account is open or can be usedThat information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demandThis is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and dueIf [redacted] has additional questions related to the credit bureau reporting, then he will need to contact the respective consumer reporting agenciesIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or satisfied in full, the offer letter, 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] and/or [redacted] *** [redacted] ***concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 21, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,Dear [redacted] This letter is in response to your correspondence dated April 13, 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 January 28, As of the date of this communication, the account balance is $3,Please review the following account information: This account originated on August 17, with [redacted] and was opened with [redacted] *** This account charged off on August 31, with a balance of $2,No payments have been received on this account since Resurgent started servicing it in January Please see the enclosed account summary for [redacted] ***’s 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 saleReceipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agenciesIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/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] *** CoIncand/or [redacted] concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure

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 As stated in my initial complaint the initial notice of debt was sent to an address I did not reside at and was never provided to either the initial creditor nor lvnvI have no signed contract with resurgent capital or lvnvYou have listed yourself as a factoring company and failed to meet FCRA requirementsThe original creditor listed on the alleged debt has ceased credit reporting and if you do not follow suit and delete the trade line I will file complaints with regulatory agencies and take other steps up to and including legal action Regards, [redacted]

Please see the attached response.July 1, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $17,Dear [redacted] This letter is in response to your correspondence dated June 23, 2015, 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 June 16, As of the date of this communication, the account balance is $17,Please review the following account information: This account originated on September 13, 2008, with [redacted] ***, and was opened with [redacted] This account charged off on May 31, The last payment in the amount of $was received on March 3, A total of $2,in payments has been received from you towards this account since Resurgent started servicing it in June Enclosed is a credit application for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow 30-days for this update to occurResurgent received the electronic dispute that [redacted] submitted through the consumer reporting agenciesResurgent responded in the adequate time by providing the corresponding information to the respective consumer reporting agenciesVerification of debt with validation was mailed to [redacted] on May 13, 2010, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Enclosed is a copy of this letter for your reviewThis account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”)The “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 November 30, For a charged-off account, the Date of First Delinquency is the first date of the delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first time the account was delinquentThis date is reported in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”)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 cycleIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] ***, [redacted] *** [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

November 27, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] * [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received November 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on August 16, with [redacted] Bank, N.AThis account charged off on March 5, with a balance of $The last payment in the amount of $was received on August 26, No payments have been received on this account since Resurgent started servicing it in April LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVOur records do not indicate that a request to delete the LVNV for this account was previously submitted to any of the three major consumer reporting agenciesResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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 removedRegarding Ms [redacted] ’s concern that Resurgent does not respond to her letters and only responds to her Consumer Financial Protection Bureau (“CFPB”) inquiries, as advised in our two previous responses to the CFPB, Resurgent received a letter from Ms [redacted] dated June 21, that included a request for Resurgent to cease communication with herSpecifically, Ms [redacted] stated that she “refuse[d] to pay this account.” When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerThus, Resurgent was unable to respond to Ms [redacted] ’s June 21, letter, or any of her subsequent requestsVerification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was previously provided to Ms [redacted] on October 26, in response to her previous Consumer Financial Protection Bureau inquiry, case number [redacted] - [redacted] The bill statements, terms and conditions, and an account summary that were provided in our previous response are enclosed for your reviewIf, 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 affidavitIf 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 fullIn 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.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [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 Regards, [redacted] ***

Dear Ms [redacted] : This letter is in response to your correspondence dated March 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 30, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVPlease review the following account information: This account originated on April 13, with [redacted] Bank, N.AThis account charged off on April 29, The last payment in the amount of $was received on July 13, No payments have been received on this account since Resurgent started servicing it in December Bankruptcy records indicate that this account was included in Mr***’s Chapter bankruptcy and was discharged in June All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose 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 reportingCurrently, LVNV is not reporting the account to the major consumer reporting agenciesA judgment was obtained March 20, in the Justice Court, Precinct Place 1, [redacted] County, Texas with case number [redacted] We are not the source of public record information reported by consumer reporting agenciesIf Mr [redacted] wishes to dispute or challenge public record entries, we recommend he contact the consumer reporting agency that is reflecting the entry, ask them for the source of their information, and then direct his dispute or challenge to that sourceAfter investigating the account, a request to release the judgment was submitted to the court on or about March 27, We have enclosed a copy of the notice of satisfaction and release of judgmentWe apologize for any inconvenienceIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

January 23, Cindy R*** Revdex.com of Upstate South Carolina N Church StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received January 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 15, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 29, with [redacted] Bank, N.AThe last payment in the amount of $was received on April 8, This account charged off on December 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in January LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVWe are unable to alter the credit reporting of another creditorMr [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in errorResurgent received the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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 removedThe term “open” in Mr [redacted] ’ credit report is not meant to indicate that the account is open or can be usedThe term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demandBecause the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio typeIf Mr [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agenciesResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVThe enclosed letter containing the validation notice was sent to Mr [redacted] last known address on April 28, Our records indicate that a lawsuit, Case No [redacted] *** was filed in the County Court of [redacted] County, Nebraska and was dismissed without prejudiceDue to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the accountOur records indicate that verification of debt was provided to Mr [redacted] on January 8, in response to his previous Consumer Financial Protection Bureau inquiry, case number [redacted] The bill statements, terms and conditions, and an account summary that were provided in our response have been enclosed for your referenceThis account has been properly verified as required by the Fair Debt Collection Practices ActIf, 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 affidavitIf 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 fullIn 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.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

January 17, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by [redacted] dated January 9, regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by PinnacleResurgent has received and reviewed Mr [redacted] ’ January 9, disputeOur records indicate that we have already received and responded to a previous inquiry dated December 29, which is substantially the same as his January 9, disputeBecause his 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 disputePlease be advised that the law on sending collection notices follows what is called the “mail box rule” which establishes that a letter properly directed and mailed is presumed to reach its destination and be received by the person to whom it was sentAs previously stated, the letters were properly addressed to Mr [redacted] , and our records do not indicate the letters were returned or suppressed by our letter vendorAdditionally, it is not required for the letters to be sent certified mailUnless 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 expiredIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [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 find that this resolution is satisfactory to me Regards, [redacted]

Please see the attached response April 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 your correspondence dated April 22, 2015, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent 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 complaintDespite these findings, the following account has been closedAdditionally, 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 accountAcct 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 25, 2017Cindy R [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164RE: [redacted] ***-***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $609.93Dear MsR***:This letter is in response to your correspondence received October 19, regarding the above- referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information:This account originated on October 20, with [redacted] *** Bank, N.AThe last payment in the amount of $was received on December 16, This account charged off on December 26, with a balance of $No payments have been received on this account since Resurgent started servicing it in January 2017.LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV.Resurgent received the electronic dispute that Ms***- [redacted] submitted through one or more consumer reporting agenciesResurgent will respond in a timely manner and provide the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account 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 complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteOur records indicate that the LVNV tradeline for this account is reporting accuratelyFurthermore, please be advised that the address shown on Ms***-***’s credit report is our mailing address, which is listed belowProviding our mailing address allows the customer to send any written correspondence directly to our office.Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms***- [redacted] on September 19, in response to her previous [redacted] Bureau (“***”) inquiry, case number [redacted] The bill statements, terms and conditions, and an account summary which were provided with our response are enclosed for referenceThis account has been properly verified as required by the FDCPA.Regarding Ms***-***’s claim that Resurgent did not respond to her second *** inquiry, because her second inquiry was a duplicate of her first inquiry, Resurgent responded to the *** advising them that Ms***-***’s second inquiry was a duplicate.Our records indicate that Ms***- [redacted] submitted a notice requesting that we cease communication with her to this office on September 12, 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.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] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC 29603If Ms***- [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] .Sincerely,AJ [redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)

October 20, 2017Cindy R [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear MsR***:This letter is in response to the additional concerns submitted by Mr [redacted] received October 13, regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by Pinnacle.Resurgent has received and reviewed Mr***’s October 13, disputeOur records indicate that we have already received and responded to a previous inquiry dated October 3, which is substantially the same as his October 13, disputeBecause his 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 advised in our response to Mr***’s previous inquiry, if Mr [redacted] believes this account is not his or is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitUnless 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.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] MS [redacted] Attn: Compliance P.OBox Greenville, SC 29603If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] .Sincerely,AJ [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 Please point yourself to two pieces of evidenceThis first is [redacted] *** Bank, the original creditor and there response to a complaint filed with the organizationSecond is your response to an earlier complaintPlease read carefully [redacted] *** Bank's response and how they had ceased mailing statements for the credit card account that form the basis of the erroneous trade lineWhy this addressed would have been provided to you at least four and up to seven months prior to you sending that debt validation letter is a very good questionIt does not unfortunately change the fact that you did indeed send it to the wrong address and should have been very well aware of thisI have also found copies of several of my prior credit reports that you have listed yourself as the original creditor and also had other glaring inaccuracies such as the wrong date of first delinquency and date of the account openingDelete this trade line within the next days or I will escalate my efforts to have this removed with regulatory agencies and if needed the courts Regards, [redacted]

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 27, [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 April 22, 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 25, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on July 25, with [redacted] *** This account charged off on October 14, with a balance of $The last payment was received on February 1, No payments have been received on this account since Resurgent started servicing it in September Enclosed is an account summary for [redacted] ***’s reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesReceipt of this complaint is the first written communication that Resurgent has received from *** [redacted] regarding the above-referenced account [redacted] contacted Resurgent by telephone on April 9, and notified Resurgent of his dispute regarding the accountResurgent asked [redacted] to submit his dispute in writing, and to include either a copy of a police/incident report or completed identity theft affidavitTo date, Resurgent has not received the written dispute or requested documentationIn compliance with the Fair Debt Collection Practices Act (“FDCPA”), Resurgent mailed [redacted] a letter dated April 9, which contained the validation noticeEnclosed is a copy of the letter for your reviewIf, 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 matterPlease find enclosed a blank identity theft affidavit for [redacted] to completeIf 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] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] -***Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosures

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 5, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] , LLC Original Creditor: [redacted] and [redacted] Company Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated April 28, 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] Funding, LLC ("***") on or about October 30, After a review of the account, in consideration of [redacted] ***’s specific situation, Resurgent has closed the accountCollection efforts will cease and [redacted] should no longer be contacted by Resurgent or any of our servicers regarding the accountCurrently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”)If you have any further questions, comments or concerns, please contact Customer Service at [redacted] -*** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint First of all, and per the representative at [redacted] , a settlement of $was going to be mailed to my residence within business daysAnd a promise to delete from the bureausAccording to Resurgent(one of the many servicers of LVNV) they don't believe in payment for deletionIf that's the case, why the rep of [redacted] lied and said they will delete once the payment is received, or that was a bait to collect money.I really like to work something out and settle thisLVNV has no right to tarnish my credit bureaus Regards, [redacted]