Debt collection -- Written notification about debt -- Complaint #8254542
Complaint Overview
Complaint ID: 8254542
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Indiana
ZIP Code: 46410
Date Received: 2024-01-30T12:00:00-05:00
Date Sent to Company: 2024-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Subject : Complaint Regarding Inaccurate and Unverifiable Collections Account - XXXX/RESURGENT RECEIVABLES Dear CFPB, I am writing to file a complaint against XXXX/RESURGENT RECEIVABLES for reporting an inaccurate and unverifiable collections account on my credit reports with all three major credit bureaus. Despite their claim of verification and validation, the account contains numerous discrepancies and raises concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). Account Information : Creditor : XXXX/RESURGENT RECEIVABLES Discrepancies in Account Information : I have attached and highlighted all discrepancies across all three credit reporting agencies. These discrepancies include, but are not limited to : Account Type Details : Incorrect information about the type of account ( e.g., loan, credit card ). Account Status ( XXXX ) : Inaccurate status reported ( e.g., charged off, collection ). No. of Months ( terms ) ( XXXX ) : Incorrect number of months listed for the account. High Credit ( XXXX ) : Inaccurate credit limit or balance reported. Payment Status ( XXXX ) : Incorrect payment history listed. Last Reported, Date Last Active ( XXXX ) : Inaccurate date reported for the last account activity. Date of Last Payment ( XXXX ) : Incorrect date reported for the last payment made. XXXX XXXX History : Discrepancies throughout the reported XXXX history of the account. Efforts to Resolve : I have disputed the information with all three credit reporting agencies, attaching the highlighted discrepancies as evidence. I have attempted to contact XXXX/RESURGENT RECEIVABLES to request verification of the information, but their response has been unsatisfactory. Concerns and Alleged Violations : The numerous discrepancies suggest that the account information is inaccurate and potentially fabricated. XXXX/RESURGENT RECEIVABLES ' failure to provide proper verification raises concerns about potential violations of the FCRA 's requirement for accurate reporting. These inaccuracies have negatively impacted my credit score and could limit my access to credit and financial opportunities. Request for CFPB Action : I request that the CFPB investigate this matter and take appropriate action against XXXX/RESURGENT RECEIVABLES, including : Ordering them to investigate the account and provide accurate information to the credit reporting agencies. Ensuring the inaccurate information is removed from my credit reports. Holding them accountable for any violations of the FCRA. I am confident that the CFPB will take this matter seriously and help me achieve a fair resolution. Thank you for your time and attention to this complaint. Sincerely,
Frequently Asked Questions
What is Complaint #8254542 about?
Complaint #8254542 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-01-30T12:00:00-05:00.
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.