Consumer complaint received 2022-09-16
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Capital Services is in violation of the FDCPA by refusing to cease collection efforts after receiving written notification of my disputes against the collection accounts they claim I owe them money for. 

Resurgent Capital Services is also in violation of 15 USC section 1692 e ( 10 ) when they sent correspondence from XXXX XXXX XXXX on their behalf where XXXX XXXX XXXX claimed Resurgent Capital Serivces to be the creditor of the debts they claim I owe them which is provably false. 

The law is very clear regarding false misrepresentation and deceptive practices, and them allowing XXXX XXXX XXXX to represent themselves as creditors is false. The same thing happened to a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services, and resulted in a bench trial and the conclusion was that Resurgent Capital Services had to pay {$250.00} per FCRA violation to XXXX XXXX They very clearly violated 15 USC section 1692 e ( 10 ) by doing the same thing to XXXX that they have recently done to me by allowing a company who represents them to send me correspondence that list Resurgent Capital Services as the current creditor which again is provably false. 

This correspondce from XXXX XXXX XXXX was also sent during a time when I had open disputes against Resurgent Capital Services regarding their inaccurate unvalidated credit reporting, and was also sent during the 30 day waiting period of receiving my written disputes. This is a violation of federal law which states that when a debt collector receives written notification a consumer dispute they must cease collection efforts for 30 days to complete a fair investigation. Unfortunately Resurgent Capital Services failed to abide by this law. 

I do not and have never had a contractual obligation of any kind with Resurgent Capital Services, nor can they provide any documentation showing that I have a signed contract with them regarding the two accounts they say I owe them money for. In fact, in XXXX of this year I requested for Resurgent Capital Services to provide a sworn notarized statement by a person who originally had knowledge of the alleged debts and they have failed to provide such documentation, and are continuing to report the negative tradelines. 

I also believe that Resurgent Capital Services is in violation of 15 USC section 1681 a ( b ) which prohibits collection agencies from reporting payment history on collections accounts. I have printouts of my credit reports from all three credit bureaus that show that they are reporting payment histories on collection accounts which is a very clear violation of the FCRA. 

I am demanding that they address and resolve my claims by deleting the negative tradelines from my credit reports and to cease from selling the collections accounts to another entity with prejudice. And this goes for both negative tradelines they are currently reporting.

Company response to consumer: Closed with explanation