Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828515
Consumer Disputes Collection Account Validity Due to Lack of Contractual Terms
Complaint Overview
Complaint ID: 13828515
Company: Resurgent Capital Services L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Wisconsin
ZIP Code: 53218
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer's claim of never receiving contractual terms could invalidate the debt if proven, leading to potential disputes and regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit reporting, Debt collection, FCRA
AI Analysis
CFPB complaint 13828515 was filed against Resurgent Capital Services L.P. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer disputed a collection account on their credit report with Resurgent Capital Services L.P. because they claim they never received contractual terms and therefore do not owe the debt. The complaint was received on May 31, 2025 from Wisconsin. The company responded with "Closed with non-monetary relief".
Consumer Narrative
On XX/XX/XXXX I challenged the validity of this collection account on my report because I have never been given and contractual terms from This company and therefore dont ow this company anything
What You Should Do -- Consumer Action Plan
Consumers should keep records of all agreements and communications with creditors and debt collectors, and clearly state any disputes in writing.
Legal Context & Consumer Protection Laws
Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate information on their credit reports, and furnishers must investigate these disputes.
Regulatory Insight
This case highlights the importance of debt collectors providing validation of debts, including contractual terms, when requested by consumers.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Wisconsin, and state laws may also provide additional protections regarding debt collection and credit reporting.
Industry Comparison
This is a common issue in the credit reporting industry where consumers challenge the validity of debts reported by collection agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828515 about?
CFPB complaint 13828515 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828515 filed against?
Complaint 13828515 was filed against Resurgent Capital Services L.P.. You can view all complaints against this company on their profile page at /company/resurgent-capital-services-l-p.
What was the company's response to complaint 13828515?
Resurgent Capital Services L.P. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828515 filed?
Complaint 13828515 was received by the CFPB on May 31, 2025. It was sent to Resurgent Capital Services L.P. on May 31, 2025.
What state was complaint 13828515 filed from?
Complaint 13828515 was filed from Wisconsin. You can view all complaints from this state at /state/WI.
Was the consumer satisfied with the resolution of complaint 13828515?
Dispute information is not available for complaint 13828515.
What product category is complaint 13828515 about?
Complaint 13828515 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13828515 submitted?
Complaint 13828515 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828515?
Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate information on their credit reports, and furnishers must investigate these disputes. This relates to a Credit reporting or other personal consumer reports complaint against Resurgent Capital Services L.P. involving "Incorrect information on your report".
How likely is complaint 13828515 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828515?
This complaint is rated as medium risk. The risk is medium because the consumer's claim of never receiving contractual terms could invalidate the debt if proven, leading to potential disputes and regulatory scrutiny.
What regulatory actions apply to complaint 13828515?
This case highlights the importance of debt collectors providing validation of debts, including contractual terms, when requested by consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13828515?
Consumers should keep records of all agreements and communications with creditors and debt collectors, and clearly state any disputes in writing.
Are there state-specific protections for complaint 13828515?
The consumer is located in Wisconsin, and state laws may also provide additional protections regarding debt collection and credit reporting. This complaint was filed from Wisconsin.
How does complaint 13828515 compare to industry norms?
This is a common issue in the credit reporting industry where consumers challenge the validity of debts reported by collection agencies.
What are the specific requirements for a debt collector to provide contractual terms to a consumer?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide consumers with specific information about the debt, which may include contractual terms, upon request. Failure to do so can be a violation.
What happens if a debt collector cannot provide proof of contractual terms?
If a debt collector cannot provide sufficient proof of contractual terms or validation of the debt, they may be required to cease collection efforts and remove the information from the consumer's credit report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.