Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCPA AND FDCPA BUREAU DISPUTE VIOLATIONS COMPLAINT AND DEMAND REMOVAL OF INACCURATE INFORMATION ON THE 3 CREDIT BUREAU FILES ( XXXX, XXXX and XXXX ). 


DEROGATORY, DEFAMATORY AND SLANDERING INFORMATION REPORTING ON CREDIT OF XXXX XXXX TO THE 3 CREDIT BUREAUS ON ACCOUNT # XXXX. 

This is an attempt to validate a debt, against by XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX was advised that certain documentation was requested to make a physical inspection and enable me to verify and witness the same in order to prepare a defense that, I may study all evidence regarding this matter within 30 days. Spoke to XXXX on XX/XX/XXXX and she requested fax the denial of credit Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt to Fax XXXX Ive also mailed the notice. Furthermore, on XX/XX/XXXX I mailed out NOTICE AND INTENT TO SUE, DEMAND FOR PAYMENT, as well. As, this request has not been honoured. XXXX XXXX XXXX defaulted but continues to report negative information on my credit report and make demand payments from me. This was an attempt to validate a debt, against XXXX XXXX XXXX the parties of which collectively be known as a " third-party debt collector '', under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I was exercising my legal right to validate a debt that this agencies claim is owed. XXXX XXXX XXXX has report false, derogatory, defamatory and slandering information about to the credit Bureaus on account # XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate information!!! 
My letters was XXXX XXXX XXXX only chance to settle this matter before XXXX XXXX filed a complaint and lawsuit against this company. 

XXXX XXXX XXXX decides to ignore my demand for Validation. XXXX XXXX will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX. My attached letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a complaint and lawsuit. 

Reporting information to the 3 credit Bureaus XXXX, XXXX and XXXX is a VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) and Privacy act. 

Over the past several months, I have tried to resolve this issue on XX/XX/XXXX and XX/XX/XXXX, but to no avail. 

XXXX XXXX XXXX must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt FDCA, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of XXXX XXXX XXXX Tax Registration certificate or remove FALSE, DEROGATORY and DEFAMATORY from credit report! 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Attached credit report, denial of credit letter and Notices. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation