Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Complaint and Demand for Resolution Violations of FCRA and FDCPA To Whom It May Concern, I am writing regarding the attached letter from your office in which you falsely claim that the current owner is not reporting the account to the credit bureaus and will not report in the future. Contrary to your claim, my consumer report clearly shows the same alleged debt balance and lists LVNV Funding as the debt collector. This discrepancy demonstrates blatant violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific violations of federal law that I believe your organization has committed : 1. 15 U.S.C. 1681s-2 : Responsibilities of furnishers of consumer reports Reporting inaccurate information to credit bureaus.

2. 15 U.S.C. 1692c : Communication in connection with debt collection Failure to communicate accurately and appropriately.

3. 15 U.S.C. 1692d : Harassment or abuse Your false claims and continued collection efforts have caused undue stress and harassment.

4. 15 U.S.C. 1692e : False or misleading representations Your letter contains false statements regarding reporting practices.

5. 15 U.S.C. 1692f : Unfair practices Misrepresenting your role and failing to adhere to proper debt collection procedures.

6. 15 U.S.C. 1692j : Furnishing deceptive forms Misleading information presented in your communication.

7. 15 U.S.C. 1692g : Validation of debts Failure to provide a valid contract with my signature or proof of the alleged debt as required.

The attached documentation clearly demonstrates your violations. Your actions have caused me significant emotional distress and financial hardship. I feel harassed, targeted, and discriminated against by your aggressive and dishonest practices.

I demand the following actions be taken immediately : 1. Cease all collection efforts related to the alleged debt. 
2. Remove the inaccurate information from all consumer reporting agencies to which you have furnished this account.

3. Pay {$7000.00} in accordance with civil liability for the violations outlined above ( {$1000.00} per violation ).

If these demands are not met within 15 days, I will have no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will seek legal recourse to enforce my rights under the FCRA and FDCPA. 

Your disregard for your fiduciary duties and legal obligations as a debt collector is both unacceptable and harmful to consumers. I expect you to address this matter promptly and in good faith. 

Sincerely, XXXX XXXX Attachments : 1. Letter from Resurgent Capital Services/LVNV 2. Copy of my consumer report showing LVNV reporting the debt XXXX. Other supporting evidence

Company response to consumer: Closed with non-monetary relief