Debt collection -- Attempts to collect debt not owed -- Complaint #12163371
Complaint Overview
Complaint ID: 12163371
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 10467
Date Received: 2025-02-14T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXLVNV Funding LLC XXXX Resurgent Capital Services L.P.**** XXXX : Response to CFPB Inquiry Response Account Numbers Ending in XXXX and XXXX To Whom It May Concern, I am writing in response to your letter dated ( XX/XX/year>2024 ), regarding my inquiry through the Consumer Financial Protection Bureau XXXX CFPB ). I would like to clarify that your response does not adequately address my concerns, nor does it provide accurate information or proper validation of the alleged debts. XXXX. Inaccuracies and Lack of Action : Your letter claims to have verified and reported the accounts accurately. However, the following inaccuracies and unresolved issues remain : * * * I have repeatedly stated that I have no knowledge of these accounts and that they are included in my FTC Identity Theft Report as fraudulent. No original account agreements or sufficient documentation proving the validity of these debts have been provided. Simply supplying account summaries and billing statements does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). * * * Despite being informed of the identity theft claim, no action has been taken to cease reporting or properly investigate the accounts. XXXX. FTC Identity Theft Report and Fraudulent Accounts : Both accounts were included in my FTC Identity Theft Report, which was previously provided to you. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to : * * Cease collection efforts and reporting of these fraudulent accounts. Conduct a thorough investigation considering the identity theft claim, not merely a review of your internal records. XXXX. Failure to Verify Debt Properly : Your response mentions verification under FDCPA Section 809 ; however, you failed to provide the necessary proof that I am responsible for these accounts. Verification requires more than a statement of the debts existence. You must provide : * * Proof of the original contract with my signature. Documentation showing my authorization or involvement in the transactions related to these accounts. * * * XXXX. Continued Reporting Despite Dispute and Identity Theft Claim : You continue to report these accounts as disputed but fail to acknowledge that they are linked to identity theft, which should prompt their removal. Reporting fraudulent accounts as merely disputed is misleading and violates the FCRAs accuracy requirements. *We Are Currently in litigation With XXXX and XXXX for False Investigations* *We Are Currently in litigation With XXXX and XXXX for False Investigations* * * Demand for Immediate Action : I demand the immediate removal of the accounts ending in XXXX and XXXX from all credit reporting agencies due to their fraudulent nature. I request written confirmation of the removal within XXXX days of receiving this letter. If you fail to comply, I will escalate this matter with the CFPB, FTC, and my states Attorney General, as well as consider legal action for damages resulting from your continued inaccurate reporting. I expect a prompt and accurate resolution to this matter. Please take this issue seriously, as failure to investigate and resolve fraudulent claims is a serious violation of my consumer rights. *We Are Currently in litigation With XXXX and XXXX for False Investigations* Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12163371 about?
Complaint #12163371 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 2025-02-14T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.