Debt collection -- Communication tactics -- Complaint #12341337
Complaint Overview
Complaint ID: 12341337
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: California
ZIP Code: 926XX
Date Received: 2025-03-05T12:00:00-05:00
Date Sent to Company: 2025-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX XXXX and LVNV Funding regarding their handling of a collection account opened on XX/XX/2022. Their actions appear to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in the following ways : Unlawful Communication Practices ( 15 U.S.C. 1692c ) The FDCPA restricts debt collectors from communicating with consumers at inconvenient times or places and prohibits contact after a written request to cease communication. I have experienced continued attempts to collect this debt despite not receiving proper validation and have not consented to ongoing communication regarding this matter. Failure to Validate the Debt ( 15 U.S.C. 1692g ) Under the FDCPA, XXXX XXXX and LVNV Funding were required to provide a written validation notice within five days of their initial communication. This notice must inform me of my right to dispute the debt and request verification. Despite my request, they have not provided adequate validation, such as a signed contract or account-level documentation proving that I owe this debt. If a consumer disputes a debt or requests verification, collection efforts must cease until proper documentation is provided. Inaccurate Reporting of Unverified Debt ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that credit reporting agencies ensure the accuracy of information before including it in a consumers credit report. If a debt is not validated, it must not be reported. XXXX XXXX and LVNV Funding have continued to report this unverified debt to the credit bureaus, which is a violation of this provision. If the debt is not paid by the consumer, the creditor must ensure that all communications and reports regarding the debt comply with federal accuracy requirements. Inaccurate Reporting of Unverified Debt ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that credit reporting agencies ensure the accuracy of information before including it in a consumers credit report. If a debt is not validated, it must not be reported. XXXX XXXX and LVNV Funding have continued to report this unverified debt to the credit bureaus, which is a violation of this provision. If the debt is not paid by the consumer, the creditor must ensure that all communications and reports regarding the debt comply with federal accuracy requirements.
Frequently Asked Questions
What is Complaint #12341337 about?
Complaint #12341337 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-03-05T12:00:00-05:00.
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.