Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634863
Incorrect Credit Report Data Dispute
Complaint Overview
Complaint ID: 15634863
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 information incorrect
State: Louisiana
ZIP Code: 70364
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
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 this is a dispute about factual information on a credit report, which is a common consumer issue.
Consumer Sentiment: neutral
Topics: Credit Reporting, Consumer Disputes, Account Information
AI Analysis
CFPB complaint 15634863 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 incorrect account information on their credit report to Resurgent Capital Services L.P. in Louisiana. The complaint was received on August 31, 2025 from Louisiana. 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) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
Credit furnishers must investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Louisiana, as elsewhere, consumers have rights under the FCRA to dispute credit report errors.
Industry Comparison
This is a standard issue within the credit reporting industry, affecting many consumers and credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634863 about?
CFPB complaint 15634863 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against Resurgent Capital Services L.P. on August 31, 2025.
Which company is complaint 15634863 filed against?
Complaint 15634863 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 15634863?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634863 filed?
Complaint 15634863 was received by the CFPB on August 31, 2025. It was sent to Resurgent Capital Services L.P. on August 31, 2025.
What state was complaint 15634863 filed from?
Complaint 15634863 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 15634863?
Dispute information is not available for complaint 15634863.
What product category is complaint 15634863 about?
Complaint 15634863 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 15634863 submitted?
Complaint 15634863 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 15634863?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting 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 15634863 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 15634863?
This complaint is rated as low risk. The risk is low as this is a dispute about factual information on a credit report, which is a common consumer issue.
What regulatory actions apply to complaint 15634863?
Credit furnishers must investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found. 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 15634863?
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 15634863?
In Louisiana, as elsewhere, consumers have rights under the FCRA to dispute credit report errors. This complaint was filed from Louisiana.
How does complaint 15634863 compare to industry norms?
This is a standard issue within the credit reporting industry, affecting many consumers and credit bureaus.
What steps should a consumer take if their dispute is not resolved satisfactorily?
If the dispute is not resolved, the consumer can file a complaint with the CFPB or potentially pursue legal action under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.