Debt collection -- Written notification about debt -- Complaint #14987306
Complaint Overview
Complaint ID: 14987306
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Ohio
ZIP Code: 452XX
Date Received: 2025-07-30T12:00:00-05:00
Date Sent to Company: 2025-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Date : XX/XX/XXXX LVNV Funding LLC Attn : Compliance Department XXXX XXXX XXXX XXXX, SC XXXX Re : Account No. XXXX Failure to Validate Debt To Whom It May Concern : On XX/XX/XXXX, I invoked my rights under 15 U.S.C. 1692g ( b ) to request full validation of the above-referenced debt. Thirty ( 30 ) days have now elapsed without your providing any of the requested documentationor ceasing collection activityas required by law. Your failure to comply constitutes multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). 1. Violations of the FDCPA Failure to Validate Debt ( 1692g ( b ) ) You have not produced the original contract, chain-of-title/assignment documents, itemized statement, or licensing evidence. A collector who continues collection efforts without validation runs the risk of violating the FDCPA ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). Continued Collection Efforts ( 1692g ( c ) ) You persisted in collection communications despite my timely dispute, violating the prohibition on collection before validation ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). Unfair Practices ( 1692f ) Reporting or threatening to report this debt without validation is unfair or unconscionable, in breach of FDCPA 1692f ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). Improper Credit Reporting Failing to remove this unvalidated debt from my credit file violates your obligation not to furnish inaccurate information ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 2. Demand for Immediate Action Within seven ( 7 ) days of your receipt of this letter, you must : Cease all collection activity on Account No. XXXX until full validation is provided. Delete all reporting of this account from every consumer reporting agency. Confirm in writing that you have taken these steps. 3. Consequences of Non-Compliance If you fail to comply, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Refer this matter to my State Attorney General. Initiate litigation seeking : Statutory damages under 15 U.S.C. 1692k ; Actual and punitive damages for willful non-compliance ; Attorneys fees and costs. This is a final opportunity to resolve this dispute amicably. Govern yourselves accordingly. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14987306 about?
Complaint #14987306 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-07-30T12:00:00-05:00.
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.