Consumer complaint received 2023-02-13
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone, email and restrict your contact with me to writing only via us postal mail to my current mailing address and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from, Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Purchase agreement or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability, Any other intimate knowledge of the creation of the debt by you, the collection agency. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until his debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. XXXX  XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity, You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes, I look forward to an uneventful resolution of this matter. 

This company is also not licensed to collect in my state. Which can be verified with XXXX XXXX XXXX. Which is another violation.

Company response to consumer: Closed with explanation