Consumer complaint received 2020-06-29
Company: Resurgent Capital Services L.P.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I enrolled in a Debt Management program through XXXX XXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX in XX/XX/XXXX advising a settlement had been reached with one of my accounts with XXXX XXXX. 

Dear XXXX, XXXX XXXX XXXX has some exciting news for you. We have a settlement proposal for your review. XXXX XXXX XXXX has received a verbal commitment from one of your creditors to settle one of your accounts. Below are the terms of the offer : XXXX XXXX XXXX XXXX - XXXX Current Balance Owed to Creditor - {$1200.00} Proposed Settlement Offer - {$550.00} Number of payments - 12.0 Monthly Payment o XXXX XXXXXXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} Total Savings - {$650.00} I am sure you are as excited about this settlement as we are! If you have any questions, please call our Customer Service team at XXXX. 

To approve this settlement, please click this link : Thank you, Client Success Team XXXX Toll-Free XXXX Fax XXXX That same month, XXXX XXXX sold my account to LVNV FUNDING LLC a collection agency, which now reflects as such with all three credit bureaus. On XXXX, I contacted XXXX XXXX XXXX via email to advise of the collection account. They responded back the following ... 

Dear XXXX, Thank you for contacting us. 
The final payment to XXXX XXXX was completed on XX/XX/XXXX. Please allow up to 90 days for the creditor to update their records. If at that time your account is reporting inaccurately on your credit report or you continue to receive statements/collection letters, please reach out to our Client Success team and we will work with you to rectify the situation. 
If you have any further questions or concerns, please reach out to our Client Success Team at XXXX or at XXXX between the hours of XXXX XXXX XXXX ( ET ) XXXX XXXX. 
Temporary change in hours until further notice : Monday Friday from XXXX XXXX to XXXX XXXX XXXX. 

Thank you, Client Success Team XXXX XXXX XXXX XXXX At that point, I attempted to dispute the error with XXXX, XXXX, and XXXX. XXXX, and XXXX stated the following ... 

Historical Info Original Creditor XXXXXXXX XXXX XXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This item was updated from our processing of your dispute in XX/XX/XXXX. 

This will be my 3rd attempt to contact XXXX via email to see if they can contact this collection agency to make them aware of my settlement agreement ... Meanwhile it appears I continue to make payments to them for the XXXX XXXX account.

Company response to consumer: Closed with explanation