Debt collection -- Written notification about debt -- Complaint #8386289
Complaint Overview
Complaint ID: 8386289
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 336XX
Date Received: 2024-02-20T12:00:00-05:00
Date Sent to Company: 2024-02-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Collection Account on Credit Report XXXX XXXX Dear LVNV Funding LLC, I am writing to formally dispute a collection account listed on my credit report associated with XXXX XXXX. This account is inaccurate and results from numerous violations of my consumer rights as protected by federal law. **Grounds for Dispute** * **Lack of Validation : ** Despite requesting validation of the alleged debt, you have not provided any information whatsoever, as required under 12 CFR ( b ) ( 5 ). * **No Opportunity to Dispute : ** Section 12 CFR 1006.34 ( c ) ( 4 ) ( i ) guarantees me the right to dispute an account. You have not granted me this opportunity. * **Misrepresentation and Deceptive Practices : ** The collection agency is engaging in false, misleading, and deceptive practices that violate my consumer rights. * **Unauthorized Reporting : ** According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), a collection agency must provide legally required disclosures before furnishing information to a consumer reporting agency. You have failed to comply. **Actions and Requests** 1. **Debt Validation : ** Please provide complete debt validation, including proof of the alleged debt and the purchase agreement between your agency and the original creditor. 2. **License and Bond : ** Please furnish proof that your collection agency is duly licensed and bonded as required by law. 3. **Cease Communication : ** I am revoking all rights for your agency to communicate with me via text, email, or phone calls. All future communication must be conducted in writing. I further dispute any and all debts allegedly owed to your agency. **Consequences of Non-Compliance** Please be advised that failure to provide the requested information and rectify these violations will necessitate further action, including the potential filing of complaints with relevant regulatory agencies and the pursuit of legal remedies. I expect a prompt and thorough response to this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8386289 about?
Complaint #8386289 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-02-20T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.