Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim, but its not mine and theres no way that you can validate it. Im 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 writing only, 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 required documentation : 1. Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

2. Date of Last Activity 3. My Full, complete and correct social security number that may help identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein said person to pay the original creditor. 
5. 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.

6. Proof of photo identification ( I.e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
7. Letter of sale 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
8. Proof that this debt has not been written off as a tax liability.

9. Any other intimate knowledge of the creation of the debt by you, the collection agency.

I am sure you know, under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX 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 this is not a request for partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient Validation of this debt.