Credit card -- Improper use of your report -- Complaint #8016520
Complaint Overview
Complaint ID: 8016520
Company: Resurgent Capital Services L.P.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Ohio
ZIP Code: 441XX
Date Received: 2023-12-17T12:00:00-05:00
Date Sent to Company: 2023-12-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC/Resurgent Capital Services XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraud/ Validation of Debt and Request for Proof of Contract Dear Sir/Madam, I am writing to dispute the alleged debt associated with your recent contract start dates of XX/XX/XXXX. I dispute the validity of the debt you claim I owe to Resurgent Capital Services/LVNV Funding. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you validate this debt as per my rights under the law. According to your communication, you assert that I entered a contract with Resurgent Capital Services/ LVNV Funding on XX/XX/XXXX. I categorically deny any such agreement, and I have no record of any contractual relationship or communication with your organization. To address this matter promptly and to ensure legal clarity, I request that you provide the following information within 45 days of receiving this letter : 1. Verification of Debt : Provide detailed documentation validating the existence of the alleged contract reflecting my signature and the start date, including the complete payment history. 2. Proof of Contract : Furnish a signed contract or agreement between myself and Resurgent Capital Services/LVNV Funding llc dated XX/XX/XXXX. This should include my signature and any relevant terms and conditions. Failure to provide the requested information within the specified timeframe of 45 days ( XX/XX/XXXX ) will be construed as an admission that Resurgent Capital Services can not substantiate the alleged debt, and I will take appropriate legal action as you all are committing fraud. Furthermore, I wish to bring to your attention that any attempt to report inaccurate information to credit bureaus, fraudulent representation of debt, or any other deceptive practices will be considered a violation of federal and state laws. Such actions may result in legal consequences, including but not limited to legal claims for falsification of information, fraud, and other relevant banking crimes. I trust that Resurgent Capital Services will handle this matter with the utmost diligence and provide the necessary documentation to validate the alleged debt. Your cooperation in this regard is anticipated. Sincerely, XXXX XXXX, XX/XX/XXXX XXXX
Frequently Asked Questions
What is Complaint #8016520 about?
Complaint #8016520 was filed against Resurgent Capital Services L.P. regarding Credit card specifically about Improper use of your report. It was received by the CFPB on 2023-12-17T12:00:00-05:00.
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 card) 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.