Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828541
Credit Bureau Verification Dispute
Complaint Overview
Complaint ID: 13828541
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: Information belongs to someone else
State: New York
ZIP Code: 11411
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 company's failure to provide verification details could indicate a lack of transparency or potential procedural issues in their dispute resolution process, which may impact the accuracy of credit reporting.
Consumer Sentiment: negative
Topics: Credit Reporting, Dispute Resolution, FCRA
AI Analysis
CFPB complaint 13828541 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 reported that Resurgent Capital Services L.P. verified an account on their credit file without providing the consumer with information on how the verification was conducted. The complaint was received on May 31, 2025 from New York. The company responded with "Closed with explanation".
Consumer Narrative
The companys just upload on my credit file that the account was verified and didnt send me no information on how they verified these accounts
What You Should Do -- Consumer Action Plan
Consumers should formally request detailed documentation of the verification process from the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires furnishers to conduct reasonable investigations into disputed information, which may include providing substantiation of the debt.
Regulatory Insight
Regulators may scrutinize companies that do not provide adequate information to consumers during the dispute verification process, potentially leading to enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have rights under state law to dispute inaccurate information on their credit reports, in addition to federal protections.
Industry Comparison
This situation is common in the credit reporting industry, where disputes over verification methods and information accuracy frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828541 about?
CFPB complaint 13828541 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828541 filed against?
Complaint 13828541 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 13828541?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828541 filed?
Complaint 13828541 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 13828541 filed from?
Complaint 13828541 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 13828541?
Dispute information is not available for complaint 13828541.
What product category is complaint 13828541 about?
Complaint 13828541 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 13828541 submitted?
Complaint 13828541 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 13828541?
The Fair Credit Reporting Act (FCRA) requires furnishers to conduct reasonable investigations into disputed information, which may include providing substantiation of the debt. 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 13828541 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 13828541?
This complaint is rated as medium risk. The company's failure to provide verification details could indicate a lack of transparency or potential procedural issues in their dispute resolution process, which may impact the accuracy of credit reporting.
What regulatory actions apply to complaint 13828541?
Regulators may scrutinize companies that do not provide adequate information to consumers during the dispute verification process, potentially leading to enforcement actions. 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 13828541?
Consumers should formally request detailed documentation of the verification process from the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 13828541?
In New York, consumers have rights under state law to dispute inaccurate information on their credit reports, in addition to federal protections. This complaint was filed from New York.
How does complaint 13828541 compare to industry norms?
This situation is common in the credit reporting industry, where disputes over verification methods and information accuracy frequently arise.
What specific documentation should a consumer request regarding the verification of their credit report information?
Consumers should request copies of any documents or data used by the furnisher to verify the disputed information, such as original application details, payment histories, or other relevant records.
What are the next steps if the credit reporting agency or furnisher fails to provide adequate verification details?
If adequate details are not provided, the consumer can escalate the dispute to the CFPB, file a complaint with the FTC, or consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.