Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

I am writing to file a formal complaint against Resurgent Capital Services regarding their mishandling of a disputed collection account reported on my credit file. Despite my repeated attempts to resolve this issue, Resurgent Capital Services has not addressed my disputes adequately and continues to report inaccurate information on my credit report. 

Unauthorized Credit Inquiry Resurgent Capital Services made an unauthorized credit inquiry on my credit report on XX/XX/2024. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, credit inquiries can only be made with permissible purpose. Resurgent Capital Services did not have my permission to conduct this inquiry, which constitutes a violation of this law. As per the FCRA, I am entitled to damages of {$1000.00} per violation. 

Inadequate Dispute Responses I have been disputing the following collection accounts for months, and Resurgent Capital Services has failed to provide a satisfactory response : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC  Balance : {$1500.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Balance : {$2900.00} Despite my repeated disputes and submission of supporting documentation, Resurgent Capital Services has continually responded with generic letters, failing to address the core issues of my dispute. The letters I received simply state that they manage the account for LVNV Funding LLC and have initiated a review, but they do not provide any evidence of the validity of the debts or address the unauthorized credit inquiry. 

Additionally, Resurgent Capital Services has not provided a signed contract with my signature to substantiate the alleged debts. Instead, they have only sent a simple paged account summary report, which does not make me liable for the debt. 

Violations The specific violations in this case include : Unauthorized Credit Inquiry : Resurgent Capital Services violated 15 USC 1681b by making an unauthorized credit inquiry o

nXX/XX/2024. Failure to Conduct
a Reasonable Investigation : Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to conduct a reasonable investigation upon receiving a dispute from a consumer. Resurgent Capital Services has failed to fulfill this obligation by providing generic responses and not addressing the specific issues raised in my disputes. 
Failure to Correct Inaccurate Information : Under FCRA Section XXXX ( a ) ( XXXX ), furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. Resurgent Capital Services has not complied with this requirement, as the disputed accounts remain inaccurately reported on my credit report. 

Please find attached copies of the responses from Resurgent Capital Services and my credit report showing the unauthorized inquiry. 

Thank you for your prompt attention to this matter. Your assistance is greatly appreciated.