Debt collection -- Attempts to collect debt not owed -- Complaint #8050011
Complaint Overview
Complaint ID: 8050011
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: Maryland
ZIP Code: 21113
Date Received: 2023-12-22T12:00:00-05:00
Date Sent to Company: 2023-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB and LVNV Funding has closed this investigation as a duplicate debt, however the Collection agency continues to avoid submitting documentation that proves this debt is owned by LVNV Funding and has a right to collect or place derogatory information on my credit report. I am requesting AGAIN all documentation from ORIGINAL creditor. In addition, PROOF of ownership such as BILL OF SALE that gives LVNV Funding the right to request any amount of payment from me when the debt they purchased was made in a bulk sale to the creditor. It does not include me and I do not owe LVNV Funding or its subsidiaries any money as a result of this debt. If I do not receive the BILL of SALE or FINAL proof this debt is validated as a debt I owe I will sue both LVNV Funding and its subsidiaries in the amount of {$1000.00} in compensatory damages for every complaint submitted to CFPB, and include {$50000.00} in punitive damages. I will add CFPB as a co-defendant for allowing this collection agency to continue to report information on my credit report in violation of its own policy. The credit has failed to obtain the original documents and has relied on copies of documents that may be altered, insufficient, and do not complete for the purposes of validating and verifying if the debt is known or unknown to the debtor and the creditor for that matter. The creditor does not have enough information to identify if the debt is valid. Finally, I am requesting under section XXXX - Proof of record retention. All documents retained as of last activity ( XX/XX/2023 ). Documentation of collection activities made by the creditor. Copies of documents provided to the consumer as evidence that the debt collector provided the information required by section XXXX and XXXX. Communication of collections and communications that you were in good faith attempting to collect the debt in recent months ( after last investigation ) instead of placing the derogatory information on my credit report without providing proof of debt and collection efforts creating dormant or ghost debt. They are also reporting a balance on a debt that I do not owe. I want proof that I owe LVNV Funding payment.
Frequently Asked Questions
What is Complaint #8050011 about?
Complaint #8050011 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 2023-12-22T12:00:00-05:00.
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.