Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7275339
Complaint Overview
Complaint ID: 7275339
Company: Resurgent Capital Services L.P.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Florida
ZIP Code: 33327
Date Received: 2023-07-19T12:00:00-05:00
Date Sent to Company: 2023-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. The accounts that must be removed are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in XXXX of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports. Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information. Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties. Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report. If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #7275339 about?
Complaint #7275339 was filed against Resurgent Capital Services L.P. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-07-19T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.