Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828519
Incorrect Account Status on Credit Report
Complaint Overview
Complaint ID: 13828519
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 status incorrect
State: North Carolina
ZIP Code: 27529
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to a single instance of incorrect information on a credit report, which is generally correctable.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 13828519 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 North Carolina consumer reported incorrect account status information on their credit report to Resurgent Capital Services L.P. The complaint was received on May 31, 2025 from North Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This case highlights the importance of the FCRA's provisions regarding the accuracy of credit reporting and the process for disputing errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
In North Carolina, consumers have rights under the FCRA to dispute credit report inaccuracies.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account status can occur and require consumer intervention.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828519 about?
CFPB complaint 13828519 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828519 filed against?
Complaint 13828519 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 13828519?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828519 filed?
Complaint 13828519 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 13828519 filed from?
Complaint 13828519 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 13828519?
Dispute information is not available for complaint 13828519.
What product category is complaint 13828519 about?
Complaint 13828519 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 13828519 submitted?
Complaint 13828519 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 13828519?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. 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 13828519 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828519?
This complaint is rated as low risk. The risk is low as the issue pertains to a single instance of incorrect information on a credit report, which is generally correctable.
What regulatory actions apply to complaint 13828519?
This case highlights the importance of the FCRA's provisions regarding the accuracy of credit reporting and the process for disputing errors. 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 13828519?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 13828519?
In North Carolina, consumers have rights under the FCRA to dispute credit report inaccuracies. This complaint was filed from North Carolina.
How does complaint 13828519 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account status can occur and require consumer intervention.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first dispute the incorrect information directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and also with the company that provided the information to the agency (Resurgent Capital Services L.P. in this case).
Disclaimer
This analysis is AI-generated and does not constitute legal advice.