Debt collection -- False statements or representation -- Complaint #18321969
Complaint Overview
Complaint ID: 18321969
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 33617
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legal validity of the account you are reporting under my consumer file. This dispute is submitted pursuant to 12 CFR 1006.34 ( c ), 12 CFR 1006.6 ( c ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( a ). Failure to Provide Proper Validation 12 CFR 1006.34 ( c ) You have failed to provide legally sufficient validation of the alleged debt, including but not limited to : The name of the original creditor The itemized amount of the debt The date of default Proof of legal ownership or assignment Documentation demonstrating I have a contractual obligation to pay Without this information, continued reporting or collection activity is unlawful. Disputed Information and Duty to Investigate 12 CFR 1006.6 ( c ) This account is formally disputed. Upon receipt of this notice, you are required to : Conduct a reasonable investigation Cease reporting inaccurate or unverified information Correct or delete any information that can not be fully substantiated Failure to properly investigate constitutes a violation of federal law. Inaccurate Reporting 15 U.S.C. 1681e ( b ) You are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Reporting unverifiable, incomplete, or misleading data violates this obligation. Furnisher Duties 15 U.S.C. 1681s-2 ( a ) You may not furnish information that you knowor should knowis inaccurate. Continuing to report this account without verified documentation constitutes willful noncompliance. Demand for Relief Accordingly, I formally demand the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation of deletion Cessation of all collection activity related to this account If you are unable to provide full validation as required by law, you must remove the account immediately. Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, along with potential civil remedies under applicable law. This letter is sent in good faith and without waiver of any rights, remedies, or defenses. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #18321969 about?
Complaint #18321969 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-27T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.