Debt collection -- Attempts to collect debt not owed -- Complaint #17921033
Complaint Overview
Complaint ID: 17921033
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Nebraska
ZIP Code: 685XX
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ). I am requesting the blocking and deletion of all negative accounts and inquiries listed below because they are unauthorized, identity-theftrelated, mixed-file errors, inaccurate, or unverifiable. XXXX has not provided any original documentation proving accuracy, authorship, ownership, or permissible purpose despite prior disputes. These items must be removed under 15 U.S.C. 1681c-2, 1681i, 1681e ( b ), and 1681b. XXXX has failed to produce : Original signed applications Proof of ownership or chain of title for purchased debts Billing statements Contracts Documentation proving permissible purpose for inquiries ANY competent evidence supporting continued reporting Automated e-OSCAR responses do not meet the standard of a reasonable investigation as required by law and case law such as XXXX v. TransUnion, XXXX v. CSC, and XXXX v. BEH-1. Because XXXX can not verify with documentary evidence, deletion is required. NEGATIVE ACCOUNTS THAT MUST BE BLOCKED/ DELETED ( Identity theft indicators, inconsistent balances, conflicting dates, unverifiable ) Charge-offs : XXXX {$550.00} charge-off XXXX XXXX {$570.00} charge-off XXXX XXXX XXXX XXXX {$16000.00} charge-off / {$10000.00} past due XXXX XXXX {$580.00} charge-off Collection accounts : XXXX. XXXX XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2200.00} XXXX. XXXX XXXX no status, no payment history, unverifiable NONE of these accounts have been validated with any original contract, application, signature, statements, or chain-of-title documentation. Under 1681e ( b ) and consistent case law, unverifiable data must be deleted. UNAUTHORIZED HARD INQUIRIES TO DELETE XXXX has not produced any documentation proving permissible purpose under 15 USC 1681b. Therefore, these inquiries must be blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LEGAL BASIS FOR DELETION 15 USC 1681c-2 : XXXX must block all identity-theft and unauthorized information within 4 business days 15 USC 1681i : XXXX must conduct a reasonable investigation and can not rely solely on furnisher responses 15 USC 1681e ( b ) : If XXXX can not prove maximum accuracy, it must delete 15 USC 1681b : Inquiries require signed authorization or permissible purpose
Frequently Asked Questions
What is Complaint #17921033 about?
Complaint #17921033 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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.