Debt collection -- Attempts to collect debt not owed -- Complaint #10825220
Complaint Overview
Complaint ID: 10825220
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Louisiana
ZIP Code: 70501
Date Received: 2024-11-16T12:00:00-05:00
Date Sent to Company: 2024-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to demand the immediate removal of the alleged debts associated with Account # XXXX and Account # XXXX from my credit report. I have no knowledge of these accounts, nor any business relationship with LVNV fundings LLC or any creditor linked to these alleged debts. I previously contacted your office and requested full validation of these debts, yet you have utterly failed to provide the required documentation. Your lack of response constitutes a direct violation of my rights under the Fair Debt Collection Practices Act. Specifically, I demanded the following : 1. The original signed contract that created the alleged debt, including all terms and conditions. 2. Full proof of the chain of ownership of these debts, with clear documentation of each assignment. 3. Lawful evidence of any interest or fees added to the accounts, as required by the original agreement. 4. Proof that you sent the legally required notices prior to reporting this debt to any credit reporting agency. Since you have completely disregarded my request for validation and failed to provide any legitimate documentation, I demand that you immediately and permanently remove these accounts from my credit report. Do not attempt to report these debts again under any circumstances. Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and taking legal action for violations of the Fair Debt Collection Practices Act. FTC XXXX XXXX XXXX XXXX makes it clear that its debt parking. Without proper notice is a violation of consumers rights. This is your final notice. I expect immediate written confirmation that these accounts have been completely removed. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #10825220 about?
Complaint #10825220 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-16T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Resurgent Capital Services L.P.?
Yes, visit the Resurgent Capital Services L.P. company profile at readthecomplaint.com/company/resurgent-capital-services-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.