Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MO)

THIS IS AN OFFICIAL " CERTIFIED '' NOTICE TO XXXX : XXXX violates 15 USC 1692g that was sent to Resurgent/LVNV in XX/XX/year>. XXXX fraudulently at that time would not allow consumers the ability to upload documents to their website even though there was a link to do so. After speaking with their representative they confirmed the consumer had to send in documentation via snail mail. Resurgent/LVNV failed to " validate '' the debt within the 30-day timeframe, the information was successfully sent to XXXX and XXXX complied with the law and removed the debt. 
XXXX is also in violation of 15 USC 1692c, they have stated in writing to MoAG 's office that they communicated with the debt collection without my knowledge and provided documentation to them verifying my home address without my consent. 

" Per CFPB amended the mandated FCRA Summary of Consumer Rights that consumer reporting agencies must provide consumers whenever there is a consumer request for disclosure of the consumer 's file. '' I'm now being contacted by two different debt collectors : Resurgent/LVNV and XXXX XXXX XXXX ( XXXX XXXX ). 

Per FDCPA " ... it is illegal for the same debt to be with two different collection agencies at the same time, as this violates consumer protection laws like the Fair Debt Collection Practices Act ( FDCPA ) which prohibits unfair debt collection practices. '' XXXX is the ONLY credit reporting agency that's allowing Resurgent/LVNV to negatively report on my report while simultaneously XXXX XXXX is also attempting to collect for the same debt. 

Under 15 U.S. Code 1692d, XXXX is currently actively assisting Resurgent/LVNV and XXXX XXXX in harassing, abusing, and causing trauma and ignoring the Federal OPM Data Breach by allowing multiple collectors to attempt to collect a debt I stated I do not owe. 

XXXX also initially ignored my disputes with XXXX XXXX when they failed to notify me of a debt I had a RECEIPT for. XXXX allowed this collector to put this collection on my report without any proof of notifying me and/or without them " validating '' the debt with a wet signature, aka a physical copy of my signature and a contract with them. XXXX also put it in writing to the MoAG office that was 'contacting XXXX. ' XXXX is aware that Resurgent/LVNV was unable to " validate '' this debt and they are assisting this collector and XXXX XXXX XXXX in unFair Debt Collection Practices Act ( FDCPA ), which states, " If a debt collector can not validate a debt and then sells it to another collector, it can be considered a violation, particularly if the selling collector, which is Resurgent/LVNV, fails to disclose the lack of validation to the new collector, potentially violating the " false or misleading representation '' " This falls under the general provisions of 15 U.S.C. 1692e which prohibits deceptive or misleading practices in debt collection. XXXX is being deceptive and Resurgent/LVNV is being deceptive to me the consumer and XXXX XXXX XXXX XXXX 

Also, per the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; which XXXX has done. 

It is apparent that XXXX has partnered with Resurgent/LVNV or they have a vested interest or are above the law in assisting the debt collector ; " A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. '' They are free to educate and look it up themselves.