Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I am contacting CFPB to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by RESURGENT RECEIVABLES LLC. This dispute serves as a request for re-investigation, as XXXX sent a letter notifying me that the RESURGENT RECEIVABLES LLC account was " UPDATED. '' However, I firmly believe that the information remains inaccurate and misleading. I request XXXX to conduct a thorough human re-investigation into this matter and remove this entry promptly. For The Following Reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by RESURGENT RECEIVABLES LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract agreement executed containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the collections entry is unwarranted. Wherefore, I never entered into any executed contractual agreement with XXXX XXXX XXXX to validate or verify a default. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the RESURGENT RECEIVABLES LLC account does not address the core issue of validation. RESURGENT RECEIVABLES LLC has not provided any verification demonstrating how they obtained the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXX permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXX XXXX XXXX, has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the Collections entry by RESURGENT RECEIVABLES LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by RESURGENT RECEIVABLES LLC. Verify that XXXX XXXX XXXX  had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized Collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous Collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.