ADR Services

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.December 17, [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] , IncCurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $ [redacted] Dear [redacted] : This letter is in response to your correspondence dated December 14, 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 March 11, As of the date of this communication, the account balance is $ [redacted] Please review the following account information: This account originated on February 21, with [redacted] , IncThis account charged off on September 13, with a balance of $ [redacted] No payments have been received on this account since Resurgent started servicing it in March Enclosed is an account summary with additional account informationAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed** [redacted] indicates he requested proof of the debt on the phone, and now two months later has not received anything in the mailAs part of our investigation, we reviewed the phone call [redacted] placed to Resurgent on October 27, On the call, [redacted] was advised to submit his dispute and request for proof of debt in writing to ResurgentAs of the date of this letter, the only written communication Resurgent has received from [redacted] is the December 14, Revdex.com inquiry***’s December 14, inquiry contains language Resurgent has interpreted to mean that we cease communication with himWhen 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 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 the previous creditor 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.P

Please see the attached response.August 12, [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] [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 August 11, 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 April 10, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 13, 2014, with [redacted] *** This account charged off on March 19, 2015, with a balance of $The last payment in the amount of $was received on August 13, No payments have been received on this account since Resurgent started servicing it in April Enclosed are bill statements, an account summary and terms and conditions 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 original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.Resurgent 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 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 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 L.PEnclosure(s) Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorUnless you notify us within days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will assume this debt is validIf you notify us in writing within days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verificationIf you request of us in writing, within days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor

Please see the attached response.June 30, [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 June 29, 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, the 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 inconvenienceAcct 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

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]

RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank, N.AOriginal Creditor: [redacted] Bank, N.ACurrent Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,Dear MsR***: This letter is in response to your correspondence received October 24, regarding the above-referenced accountCACH, LLC ("CACH") owns the account number ending in ***, having acquired it on April 30, 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 $2,Please review the following account information: This account originated on May 22, with [redacted] Bank, N.AThis account charged off on March 31, with a balance of $6,The last payment in the amount of $was received on September 7, Enclosed is the charge-off statement and an account summary on file for this accountCACH 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 CACHResurgent received the multiple electronic disputes 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 (“FCRA”), a request to update the CACH tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent, as servicer for CACH, 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 CACHThis account was previously placed with [redacted] , PLC; however, this account has been recalled and placed back in our officeWe apologize for any inconvenience Ms [redacted] may have experienced regarding the collection of this accountAfter investigating the account, we found no evidence of mishandlings alleged in Ms [redacted] ’s inquiryWe reviewed the payment records forwarded by the third-party servicer of this account, and found no evidence that the above-stated account balance is incorrectIf, after reviewing the above-referenced information, Ms [redacted] believes that the current balance of this account is incorrect, then please advise her to provide us a copy of cancelled check(s), and/or confirmation previous paymentsIn 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.August 12, [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 August 4, 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] Services, LLC ("***") on or about September 23, Please review the following account information: This account originated on August 31, with [redacted] and was opened with [redacted] *** This account charged off on July 31, The last payment in the amount of $3,was received on July 23, 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 agenciesWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to the source of the informationWe have verified this account was satisfied in full on July 23, for $3,The status of the account was updated to "Satisfied in Full" on July 27, The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this accountAdditionally, a request to release the judgment was sent to the court on August 10, Our records indicate the request has been received by the courtRegarding [redacted] ’s concerns about the release of judgment filing requirements, [redacted] courts require satisfaction of judgment to be filed within thirty (30) days of paymentResurgent has met that requirementAdditionally, as part of our investigation, Resurgent reviewed the August 3, call *** [redacted] references in his inquiryResurgent does not condone unprofessional communication with consumersAs such, the issue has been addressed with the representative [redacted] spoke withWe apologize for any inconvenience [redacted] may have experiencedIf 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 As of yet the court still has not receive the request to list the judgment as satisfied It needs to be done by tomorrow to comply with the law in [redacted] This is not acceptable Regards, [redacted]

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, except for the fact that a decade-long bothering contacts by various LVNV servicers were not made in error because in the course of ten years LVNV Funding LLC (aka Resurgent Capital Services LP) could have many times over determined that I was not a responsible partyLVNV’s apologies are taken and a copy of their letter will be kept in my lawyer’s filesThis said, if I receive one more phone call from a servicer attempting to contact [redacted] [redacted] I will assume that LVNV Funding LLC has backtracked on their promise and will file a legal motion in the court without prior notification Regards, [redacted]

October 17, 2017Cindy R [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164RE: [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] - [redacted] Reference Number: [redacted] Current Balance: $1,097.09Dear MsR***:This letter is in response to your correspondence received October 10, regarding the above- referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on February 18, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,Please review the following account information:This account originated on April 22, with [redacted] This account charged off on November 1, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in February Enclosed are bill statements and an account summary on file for this account.Pinnacle 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 Pinnacle.In 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 1, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 2018.If, after reviewing the above-referenced information, Mr [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit.If Mr [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full.In addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to:Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox [redacted] , 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.Enclosure(s)

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

RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Brands, IncOriginal Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received November 29, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 30, 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 June 2, with [redacted] and was opened with [redacted] [redacted] The last payment in the amount of $was received on July 30, This account charged off on December 29, 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 LVNVIn 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 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 September 1, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June The enclosed letter containing verification of debt with validation was mailed to Ms*** on May 24, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAAdditionally, please find the enclosed bill statements on file for the accountIf, 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)

RE: [redacted] * [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to your correspondence received December 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 30, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVWe have investigated this matter and closed the account due to fraudA request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr [redacted] may have experiencedIf 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 Regards, [redacted] ***The address does not match , the SSN Does not match , & I already have [redacted] service now for years so how is this my account if nothing matches this account must be removed immediately from credit report

Please see Resurgent's attached response to the referenced complaint.October 12, [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 October 8, 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 October 29, As of the date of this communication, the account is considered Satisfied in FullAll 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 agenciesWe are not the source of public record information reported by consumer reporting agenciesIf [redacted] wishes to dispute or challenge public record entries, we recommend she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to the source of the informationResurgent received [redacted] ’s final payment of $on February 6, The account status was updated to Satisfied in Full on February 20, and the Satisfaction of Judgment was filed with the court on March 5, There have been no subsequent garnishments of [redacted] ’s bank account by or on behalf of ResurgentIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services LP

Please see Resurgent's attached response to the referenced complaint.July 13, [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 July 8, 2015, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in [redacted] Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAll 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”)The original creditor may also continue to report the history of this account from the origination date to the time of sale [redacted] claims that she has never resided at [redacted] ***, [redacted] *** [redacted] This address was provided by [redacted] when the account was purchased by LVNV in January Based on the information provided by [redacted] ***, the validation letter was sent to the consumer’s last known address; therefore, LVNV has met its notice requirements, as required by the Fair Debt Collection Practices Act (“FDCPA”)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 LP