Debt collection -- Written notification about debt -- Complaint #14653681
Complaint Overview
Complaint ID: 14653681
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: Illinois
ZIP Code: 604XX
Date Received: 2025-07-14T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received documents from an unknown company through the ( CFPB ) in response to a dispute, ( Resurgent Capital Services ) stating they are responding to a ( CFPB ) inquiry received on XX/XX/XXXX. As a consumer I'm very confused. How can XXXX different collections companies attempt to collect the same debt? I never received any correspondence about Resurgent Capital Services collecting this debt. I reviewed my consumer report, it states LVNV Funding as the only collections company collecting the debt. According to ( FCRA ) 15 U.S Code 1681, " governs access to consumer credit report records and promotes maximum ACCURACY, fairness, and privacy of personal information assembled by Credit reporting Agencies ''. Due to my personal information being impacted by XXXX Data Breech ( see Attached ) I request documents proving ownership of this debt and authorization to collect this debt. 2nd request for these documents. Ownership of the debt, Flow agreement, Transfer of assignment, Bill of sales. From the first document request I received old statements from XXXX XXXX and a document from Resurgent Capital Services that I never received. The document from Resurgent Capital services, states this account was previously charged off, which means the company received a tax write off to reduce their debt. I never received a XXXX form to claim the charge off as income. " According to IRC 6050P ( c ) ( 2 ), creditors are REQUIRED to issue a form 1099-c, or Cancellation of Debt, when they forgive or cancel a debt of {$600.00} or more owned by a taxpayer ''. I did not approve any other debt collection company to have access to my consumer report information. The original charge off date is XX/XX/XXXX but continues to report being charged off every month, this extends the statute of limitations. According to 15 U.S. Code 1681i " provides consumers with the power to dispute inaccurate information that is listed on their consumer reports ''. This inaccurate information reported on my consumer report is affecting my ability to better my household. If this is not removed or deleted, I will be filling a civil lawsuit against all parties involved, LVNV Funding, Resurgent Capital Services, XXXX, XXXX and XXXX. I recognize all the companies are business partners and work together
Frequently Asked Questions
What is Complaint #14653681 about?
Complaint #14653681 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-07-14T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". 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.