ADR Services

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 25, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] IncOriginal Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 21, 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] Incon or about April 30, Please review the following account information: This account originated on May 5, with [redacted] and was opened with [redacted] [redacted] This account charged off on December 29, with a balance of $The last payment in the amount of $was received on July 11, No payments have been received on this account since Resurgent started servicing it in April After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accountAdditionally, 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 inconvenienceIf 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, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received October 20, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on May 13, with [redacted] This account charged off on November 9, with a balance of $No payments have been received on this account since Pinnacle acquired it in April Enclosed are bill statements and an account summary on file for this accountPinnacle acquired all ownership rights in this account upon Pinnacle’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 PinnacleIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is May 13, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 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 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)

Please see the attached response.June 15, [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 June 8, 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 January 13, As of the date of this communication, the account balance is $3,763.59, which includes an interest balance of $Due to Resurgent’s internal policy change, this account has not and will not accrue additional interest as of January 5, Please review the following account information: This account originated on April 20, 2006, with [redacted] **This account charged off on February 28, 2010, with a balance of $3,The last payment in the amount of $was received on June 7, No payments have been received on this account since Resurgent started servicing it in January All ownership rights were transferred to LVNV when this account was purchased from the previous 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 multiple electronic disputes that [redacted] submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agenciesResurgent responded to a Revdex.com inquiry received on May 6, Enclosed is *** [redacted] Revdex.com inquiry and Resurgent’s response to this inquiry dated May 12, 2014, which includes bill statements and letters verifying the debtAdditionally, enclosed is a follcorrespondence received via the Revdex.com in which [redacted] advised that he is satisfied with Resurgent’s resolutionIf, 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] and/or *** [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: 866-467- [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] *** Sincerely, DParham Compliance Department Resurgent Capital Services L.PEnclosure(s)

Thank you for your response, but this still doesn’t help me I did not say that the account is fraudulentIf you re-read original the letter I sent back in May, I said it could be, didn't say it was I need you to prove to me that this $55,bill, that goes back years, is in fact mine That's a large amount for some to "just pay" Please provide me with back up Thank you ***

Please see the attached response.July 15, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] Dear *** [redacted] This letter is in response to your correspondence dated July 13, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on June 26, 2007, with [redacted] ***This account charged off on May 7, This account was purchased from [redacted] ***on November 7, No payments have been received on this account since Resurgent started servicing it in November The current balance of this account is $Enclosed are bill statements and an account summary for your reviewAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***This account originated on February 12, 2010, with [redacted] ***This account charged off on June 14, This account was purchased from [redacted] ***on November 7, No payments have been received on this account since Resurgent started servicing it in November The current balance of this account is $Enclosed are bill statements and an account summary for your reviewAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, account number ending in [redacted] 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 saleSince the legal time limit for bureau reporting is approaching on account number ending in [redacted] 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 occurIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for account number ending in is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausIf, after review of the above-referenced information, [redacted] believes these accounts are fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf these accounts were paid or 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] ***concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Brands, IncOriginal Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence received August 28, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 28, 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 May 18, with [redacted] and was opened with [redacted] The last payment in the amount of $was received on October 21, This account charged off on March 16, with a balance of $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 LVNVResurgent 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 removedResurgent, 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 LVNVAny notification requirements for this account would have been met by these servicersThe enclosed letters containing verification of debt and the validation notice were sent to Ms [redacted] on March 6, in response to her February 28, requestAdditionally, verification was also provided on April 3, in response to Ms***’s previous Consumer Financial Protection Bureau (“CFPB”) inquiry, case number [redacted] The bill statements that were provided with our response to Ms***’s previous CFPB inquiry are enclosed for your referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on March 20, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, 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, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 13, [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 November 9, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about December 29, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 22, with [redacted] and was opened with [redacted] This account charged off on March 21, with a balance of $The last payment was received on August 3, No payments have been received on this account since Resurgent started servicing it in December All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesThe “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 September 21, [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] ***’ responsibility for the balance due on this accountIn her inquiry [redacted] claims Resurgent did not provide verification of the debt as requested by *** ***Enclosed is a letter dated August 13, Resurgent mailed [redacted] which included verification of the debtThis account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”) [redacted] ***’ November 9, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or 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 the previous creditors concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] -*** Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see the attached response.September 11, [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 September 8, 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

Please see the attached response.September 30, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] , IncOriginal Creditor: [redacted] (**), *** Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear [redacted] This letter is in response to your correspondence dated September 28, 2015, regarding the above-referenced account [redacted] LLC ("***") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***The account was previously sold by [redacted] , Incon 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 February 11, 2002, with [redacted] (**), *** This account charged off on February 28, The last payment in the amount of $was received on May 10, No payments have been received on this account since Resurgent started servicing it in September Enclosed is an account summary for your reviewAll ownership rights were transferred to [redacted] 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, [redacted] is not reporting the account to the major consumer reporting agencies [redacted] ’s complaint contains language Resurgent has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfResurg...⇄ contacted the previous creditor to verify any payment arrangementsThe previous creditor has confirmed that this account was not satisfiedIf 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 the previous creditors concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

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 have NEVER received any information about this account from this or any person owning rid accountThe addressthey sent information to is not, not had it ever been a address in which I resided( [redacted] ) therfore I couldn't possibly have been legally notified if I never lived there Regards, [redacted]

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 5, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated September 28, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] * [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on October 7, with [redacted] and was opened with [redacted] This account charged off on February 28, with a balance of $1,This account was purchased from [redacted] on March 18, The last payment in the amount of $was received on September 14, No payments have been received on this account since Resurgent started servicing it in March The current balance of this account is $2,Enclosed please find an account summary on file for this accountAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] *** This account originated on May 22, with [redacted] *** This account charged off on September 29, with a balance of $4,This account was purchased from [redacted] on June 7, The last payment in the amount of $was received on March 6, No payments have been received on this account since Resurgent started servicing it in June The current balance of this account is $9,Enclosed please find an account summary on file for this accountAll ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agenciesThey will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausThe 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 accounts are reported correctlyThe Terms Duration is reported accurately as month, as the entire balance for the account is due upon demandIn a previous dispute, [redacted] has claimed that the statute of limitations has expiredAlthough the statute of limitations for seeking legal action, such as a judgment, has expired for these accounts, the account balances are still collectible; Expiration of the statute of limitations does not invalidate the obligation or [redacted] ’ responsibility for the balances due on these accountsAdditionally, due to Resurgent’s internal policy change, these accounts have not and will not accrue additional interest as of January 5, If, after review of the above-referenced information, [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf these accounts were paid or 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 the previous creditors 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 LP

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 4, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** having acquired it on December 14, 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 July 1, with [redacted] Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on March 22, This account charged off on November 8, with a balance of $No payments have been received on this account since Resurgent started servicing it in December 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 LVNVResurgent 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 agenciesOur records indicate that the LVNV tradeline for this account has been reporting as “disputed” since we first received notice that Mr [redacted] wished to dispute the account in March It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedIf Mr [redacted] has evidence that the LVNV tradeline for this account is not reporting correctly, we ask that he forward it to the address below [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is May 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in February Resurgent, 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 LVNVAny notification requirements for this account would have been met by these servicersEnclosed is a copy of the notice that was sent on or about December 18, advising that information may be reported to the consumer reporting agencies if the debt is not paidPlease note that the enclosed letter also contains the validation noticeAlthough Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Mr [redacted] ’s request, and did not resume those efforts until we provided him with a verification responseThe enclosed letters providing verification of debt were mailed to Mr [redacted] on March 23, and March 29, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAAdditionally, we are providing the enclosed bill statements and terms and conditions file for the accountOur records indicate that Mr [redacted] submitted a notice requesting that we cease communication with him to this office on December 28, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, 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, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)

October 25, 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 Mr [redacted] received October 20, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Mr***’s October 20, disputeOur records indicate that we have already received and responded to a previous inquiry dated October 12, which is substantially the same as his October 20, 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 disputeAs advised in our previous response, [redacted] *** Bank, N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itAdditionally, our previous response to Mr***’s inquiry provided him with verification of debt as required by the Fair Debt Collection Practices ActUnless 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

November 17, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] *** Bank (USA), N.AOriginal Creditor: [redacted] Bank (USA), N.ACurrent Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received November 13, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on March 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, As of the date of this communication, the account balance is $Please review the following account information: This account originated on August 24, with [redacted] Bank (USA), N.A(“ [redacted] ***”)The last payment was received on September 25, This account charged off on April 29, with a balance of $No payments have been received on this account since CACH acquired it in March CACH acquired all ownership rights in this account upon CACH’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 CACHPlease be advised that the permissible reporting period for this account has not expiredIn accordance with the Fair Credit Reporting Act, the CACH 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 removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is November 24, A request to delete the CACH tradeline will be submitted to the consumer reporting agencies in August We did receive Mr***’s correspondence of September 20, Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Mr***’s requestPlease be advised that this letter shall serve as our formal response to Mr***’s previous correspondenceIf Mr [redacted] would like to discuss payment arrangements, he may contact Customer Service at the number belowPlease be advised that Resurgent does not accept payment in exchange for tradeline deletionAll accounts that are eligible for reporting are reported accurately to the three major consumer reporting agenciesIf Mr [redacted] were to pay the account, the CACH tradeline would be updated to reflect that this account has been paidWe are providing the enclosed bill statement and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, 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)

Please see the attached response.October 22, [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] [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated October 19, 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] LLC on or about April 8, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 27, 2009, with [redacted] *** This account charged off on February 5, 2010, with a balance of $The last payment in the amount of $was received on June 21, No payments have been received on this account since Resurgent started servicing it in April Enclosed are a bill statement and an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe information [redacted] provided in her inquiry indicates that the original creditor, [redacted] ***, may be reporting this account to the credit bureaus as wellThe 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 errorIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent received 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 agenciesResurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionEnclosed is a copy of the letter that was mailed to [redacted] advising LVNV may report information about her account to the credit bureausPlease note that at the time this letter was mailed, the LVNV tradeline was not being reported to the three major consumer reporting agenciesThe “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 August 4, A request to delete the LVNV tradeline will be submitted on or before May 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] Abichat’s 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 she 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 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 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 the previous creditors concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)

Please see Resurgent's attached response to the complaint.May 27, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: *** 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 May 19, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ("***") on or about May 20, As of the date of this communication, the account balance is $3,Please review the following account information: This account originated on September 11, with [redacted] The last payment in the amount of $was received on April 24, Total payments in the amount of $have been received since Resurgent started servicing the account in May Resurgent would like to thank [redacted] for bringing this matter to our attentionAfter investigating the account, Resurgent determined [redacted] was offered a settlement of $2,in three payments by mistake as Resurgent policy is to not offer settlements on this particular type of accountWhen the collector realized the mistake, the collector advised [redacted] a settlement should not have been offeredAs the mistake was in no way the fault of [redacted] , Resurgent agrees that the settlement offer should be honoredResurgent called [redacted] Friday, May 22, 2015, and agreed to settle the account for $1,to be paid in one lump sum payment due June 10, Resurgent also mailed *** [redacted] confirmation of the settlement agreementIf 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.June 5, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated June 2, 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 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on January 20, with [redacted] ***This account charged off on June 6, The last payment in the amount of $was received on March 25, No payments have been received on this account since Resurgent started servicing it in September An account summary on file for this account is enclosed for your referenceAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agencies [redacted] June 2, complaint contains language Resurgent has interpreted to mean that we cease communication with him/herWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerReceipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountIf, 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 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] 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 LPEnclosure(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 [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]I didnt receive the letter they are claiming was sent in August after I requested verification Secondly, I havent ever had a [redacted] credit card Regards, [redacted] ***

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 31, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated August 26, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVVerification of debt was mailed to [redacted] on June 26, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Enclosed is a copy of the letterThis account has been properly verified, as required by the FDCPAAs part of our investigation we requested documents from the previous owner(s)Unfortunately however, we are unable to obtain documents from the previous owner(s)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 the attached response.August 24, [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 August 21, 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