Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against Resurgent Capital Services L.P., a collections agency, for their failure to provide me with the requested information pertaining to an alleged debt and for reporting inaccurate information on my credit report. 

The alleged debt was initially handled by LVNV Funding LLC, who turned it over to Resurgent Capital Services L.P. for collection. On XX/XX/XXXX, I sent a written request to Resurgent Capital Services L.P., seeking validation of the alleged debt as per the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ). 
In my request, I specifically asked for the following information : An agreement with their client grants them the authority to collect on this alleged debt. 
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any judgments obtained by any creditor regarding this account. 

Despite the clear requirements of the FDCPA and my diligent efforts to seek validation of the debt, Resurgent Capital Services L.P. has not provided any response or the requested documentation. Their lack of responsiveness has left me unable to verify the accuracy of the alleged debt and evaluate the validity of their claim.

Furthermore, I have discovered that Resurgent Capital Services
L.P. has reported this collection account on my credit report, which is negatively impacting my credit score and financial standing. In light of their failure to provide the requested information and validate the debt, I firmly believe that this collections account is inaccurate and should not be reflected on my credit report. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I urge Resurgent Capital Services L.P. to comply with the FDCPA and promptly provide the requested documentation, as required by law. Additionally, I demand that they remove the collections account from my credit report until they can substantiate its validity. 

I have made every effort to address this issue directly with Resurgent Capital Services L.P., but their lack of response has left me with no recourse other than seeking assistance from the CFPB. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to ensure that Resurgent Capital Services L.P. adheres to the appropriate regulations and rectifies this situation promptly. 
Regrettably, I must express my disappointment as Resurgent Capital Services L.P. only addressed part of the requested information and omitted some critical documents required for proper validation. 

They provided The Account originated on XX/XX/XXXX, The Account charged off date, The Account was previously charged off, the last payment in the amount of {$290.00}, and a balance is not validated but failed to furnish An agreement with their client grants them the authority to collect on this alleged debt. 
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims made by any creditor regarding this account. 
Any judgments obtained by any creditor regarding this account. This incomplete response leaves me unable to fully evaluate the accuracy and legitimacy of the alleged debt. 

I firmly believe that as a consumer, I have the right to receive a comprehensive validation of the debt in question. Resurgent Capital Services L.P. 's failure to provide complete information raises concerns about the accuracy of their claim and casts doubt on the validity of the alleged debt. 

I appreciate your attention to this matter and look forward to a resolution that upholds my rights as a consumer and preserves the accuracy and integrity of my credit report. 

Thank you for your assistance in this regard.

Company response to consumer: Closed with explanation