Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (WA)

I filed a CFPB complaint on XX/XX/2024 against XXXX, XXXX, XXXX, and XXXX Funding for inaccurately reporting a debt on my consumer profile, violating the FCRA. Complaint number XXXX. XXXX, rightly noticing the inaccuracy has since deleted the item which i will upload evidence of. XXXX XXXX then filed a legal complaint against me dated XX/XX/2024 and i was served by a process server on XX/XX/2024 who banged on my door very loudly on a Sunday XXXX, disturbing me and my dog. I am officially submitting a complaint to you because i believe i am being illegally retaliated against for exercising my consumer rights under the FCRA. There are several laws that prevent illegal retaliation and i will list a few for you here : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : This law prohibits debt collectors from engaging in abusive, unfair, or deceptive practices, including retaliation against consumers for exercising their rights under the Act. 

2. **Consumer Financial Protection Act ( CFPA ) ** : This Act authorizes the Consumer Financial Protection Bureau ( CFPB ) to take action against entities that engage in unfair, deceptive, or abusive practices, which may include retaliation against consumers. 

3. **Truth in Lending Act ( TILA ) ** : TILA protects consumers in credit transactions by requiring clear disclosure of key terms and costs. Retaliating against a consumer for exercising rights under TILA could violate this law. 

4. **Fair Credit Reporting Act ( FCRA ) ** : FCRA regulates the collection, dissemination, and use of consumer credit information. Retaliating against a consumer for disputing inaccurate information on their credit report could violate FCRA. 

These laws, among others, provide protections for consumers against retaliation for exercising their rights. 

I would like to point out that my CFPB complaint about this issue isnt closed yet, they served me on the XXXX giving me 20 days to respond, which potentially wouldnt give the CFPB complaint enough time to close to give me all of the evidence i need for a proper defense.i find this practice to be extremely deceptive. 

I have also attached an article posted on your website referring to a case where the CFPB has sued a debt collector and their owners for abusive practices, and I would like for you to do the same here. I am a XXXX veteran and I do not need undue stress, as all I was doing when this started was checking my consumer report to clean up my credit, found inaccuracies therefore leaving me unable to find the true accuracy of these accounts, filed a CFPB complaint about these inaccuracies which is my right to do so, and 27 days later am now being sued for exercising my consumer rights. Let the record state that LVNV Funding, XXXX, XXXX, and XXXX broke federal law, all i simply did was point that out and am now having legal action taken against me because of it. I demand LVNV Funding drop this lawsuit immediately as it is illegal retaliation against a consumer for exercising their consumer rights. I am also requesting that the CFPB take legal action against LVNV Funding for doing the same things listed in the article i have attached. Thank you.