Debt collection -- Attempts to collect debt not owed -- Complaint #6101578
Complaint Overview
Complaint ID: 6101578
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77449
Date Received: 2022-10-18T12:00:00-05:00
Date Sent to Company: 2022-10-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. Willfully ignoring a cease and desist order. Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. The legal order from a judicial court. An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. Proof that the statues of limitations has not expired. Complete payment history along with an accounting of the debt and all additional charges being accessed. Proof that you are licensed to do business in the state of Texas. Your license number and registered agent. Identification number of the state ID used to obtain the alleged line credit. The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.
Frequently Asked Questions
What is Complaint #6101578 about?
Complaint #6101578 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 2022-10-18T12:00:00-05:00.
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.