Debt collection -- Attempts to collect debt not owed -- Complaint #19684279
Complaint Overview
Complaint ID: 19684279
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Kentucky
ZIP Code: 40211
Date Received: 2026-02-21T12:00:00-05:00
Date Sent to Company: 2026-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Via Certified Mail Return Receipt LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX : Cease and Desist / Unlicensed Debt Collection / Demand for Deletion To Whom It May Concern, This letter is to formally notify you that I dispute the alleged debt you claim I owe. I have confirmed that XXXX XXXX XXXX is not licensed to collect consumer debt in the State of Kentucky, and any attempt to collect a debt without proper state licensing is illegal. Your continued attempts to collect this alleged debt and your reporting of this account to credit reporting agencies constitute violations of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The Fair Credit Reporting Act ( FCRA ) Kentucky state debt collection laws and licensing requirements You are hereby directed to CEASE AND DESIST all collection activity immediately, including phone calls, letters, emails, and any communication with third parties. Because you have no legal authority to collect or report debt in Kentucky, I demand immediate deletion of this account from Equifax, Experian, and TransUnion. Reporting an unlicensed collection account is unlawful and harmful to my credit profile. If you fail to comply, I will file formal complaints with : The Federal Trade Commission ( FTC ) The Kentucky Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also consider pursuing legal action for statutory damages, attorneys fees, and any additional relief allowed by law. This letter is not a refusal to pay, but a formal notice that your claim is disputed and your collection activity is unlawful. Please provide written confirmation within 15 days that this account has been deleted and that you have ceased all collection efforts. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #19684279 about?
Complaint #19684279 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 2026-02-21T12:00:00-05:00.
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.