Debt collection -- False statements or representation -- Complaint #13828529
Consumer Demands Debt Validation Amidst Collection Attempt
Complaint Overview
Complaint ID: 13828529
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: New York
ZIP Code: 10472
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: medium
The consumer is actively disputing the debt and requesting validation, which could lead to legal challenges if the debt collector fails to provide proper documentation.
Consumer Sentiment: neutral
Topics: Debt collection, Debt validation, FDCPA
AI Analysis
CFPB complaint 13828529 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "False statements or representation". A consumer requested debt validation from Resurgent Capital Services L.P. regarding a debt allegedly owed to LVNV FUNDING LLC, citing potential violations of the FDCPA. The complaint was received on May 31, 2025 from New York. The company responded with "Closed with explanation".
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Account Information : Creditor Name : LVNV FUNDING LLC Account Number : XXXX Amount : {$2000.00} Subject : Request for Debt Validation under FDCPA Dear XXXX XXXX I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; XXXX. A complete payment history showing how the alleged amount was calculated ; XXXX. Verification that you are legally authorized to collect on this debt in the State of New York ; XXXX. The name and address of the current creditor if different from the original ; XXXX. A copy of your license to collect debts in New York. Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law. Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. Sincerely, XXXX XXXX
What You Should Do -- Consumer Action Plan
Consumers should clearly state their intent to validate a debt and request specific documentation as outlined in the FDCPA.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) grants consumers the right to request validation of debts and requires debt collectors to cease collection activities until validation is provided.
Regulatory Insight
Debt collectors must provide specific documentation to validate a debt, and failure to do so can result in violations of federal law, including potential credit reporting inaccuracies.
Resolution Likelihood
mixed
State-Specific Consumer Protections
New York requires debt collectors to be licensed, and the consumer has requested verification of the collector's license.
Industry Comparison
Consumers often request debt validation when disputing debts, especially when dealing with third-party debt collectors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828529 about?
CFPB complaint 13828529 involves Debt collection (I do not know). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828529 filed against?
Complaint 13828529 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 13828529?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828529 filed?
Complaint 13828529 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 13828529 filed from?
Complaint 13828529 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 13828529?
Dispute information is not available for complaint 13828529.
What product category is complaint 13828529 about?
Complaint 13828529 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828529 submitted?
Complaint 13828529 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 13828529?
The Fair Debt Collection Practices Act (FDCPA) grants consumers the right to request validation of debts and requires debt collectors to cease collection activities until validation is provided. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "False statements or representation".
How likely is complaint 13828529 to be resolved?
Resolution likelihood: mixed. 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 13828529?
This complaint is rated as medium risk. The consumer is actively disputing the debt and requesting validation, which could lead to legal challenges if the debt collector fails to provide proper documentation.
What regulatory actions apply to complaint 13828529?
Debt collectors must provide specific documentation to validate a debt, and failure to do so can result in violations of federal law, including potential credit reporting inaccuracies. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828529?
Consumers should clearly state their intent to validate a debt and request specific documentation as outlined in the FDCPA.
Are there state-specific protections for complaint 13828529?
New York requires debt collectors to be licensed, and the consumer has requested verification of the collector's license. This complaint was filed from New York.
How does complaint 13828529 compare to industry norms?
Consumers often request debt validation when disputing debts, especially when dealing with third-party debt collectors.
What specific documentation is required for debt validation under the FDCPA?
The FDCPA requires debt collectors to provide verification of the debt, including the amount, the original creditor's name, and a copy of the original agreement or contract.
What are the implications if a debt collector fails to provide debt validation?
Failure to provide validation can lead to violations of the FDCPA, including potential lawsuits by the consumer and prohibitions against reporting the debt to credit bureaus.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.