Debt collection -- Written notification about debt -- Complaint #13497959
Complaint Overview
Complaint ID: 13497959
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Florida
ZIP Code: 32210
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Account Information and Demand for Immediate Action - Violation of the Fair Credit Reporting Act This letter serves as a formal dispute regarding the patently inaccurate information listed on my credit report. The continued reporting of this inaccurate information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which unequivocally mandates that credit reporting agencies ensure the maximum possible accuracy of all information they report. I hereby demand that you immediately cease and desist from reporting the following inaccurate account information : Creditor Name : LVNV This account is being reported as " charged off, '' yet it simultaneously reflects an outstanding balance. This dual reporting is fundamentally contradictory and demonstrably inaccurate. Established credit reporting guidelines clearly state that once an account is officially charged off by the original creditor, the reporting of an outstanding balance should be discontinued, as the debt has been accounted for as a loss. The persistent reporting of an outstanding balance on a charged-off account strongly suggests one of two scenarios, both of which represent a clear failure to adhere to the FCRA 's accuracy requirements : * Improper Continued Collection : The original creditor may be improperly continuing collection efforts while simultaneously reporting the account as charged off, creating a misleading representation of the account status. * Erroneous Charge-Off Reporting : The " charged off '' status itself may be inaccurate, while an actual balance remains under active management and reporting by the creditor. Given these blatant inconsistencies and inaccuracies, I demand the immediate deletion of this entire account from my credit file. As a consumer, I possess the irrefutable right to a credit report that is both accurate and fully compliant with federal law. Your agency 's continued failure to maintain compliance with 15 U.S.C. 1681e ( b ) results in the dissemination of misleading and unverifiable information, which demonstrably and negatively impacts my financial standing and overall creditworthiness. This account can not be verified as fully accurate and compliant with the FCRA and therefore must be deleted immediately in accordance with my rights under the law. Pursuant to the FCRA, I expect a thorough investigation into this dispute and a definitive resolution within thirty ( 30 ) days of your receipt of this letter. Please provide me with written confirmation of the deletion of this account from my credit file upon the conclusion of your investigation. Thank you for your immediate and necessary attention to this critical matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13497959 about?
Complaint #13497959 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-05-13T12:00:00-05:00.
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.