Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.CXXXX XXXX Subject : Formal Complaint Against Resurgent Capital Services and LVNV Funding LLC for Violation of Cease and Desist Request Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services and LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable laws. Specifically, I am addressing their continued attempts to contact me, share my personal information, and collect information after I sent a cease and desist letter to both companies. 

Background : Cease and Desist Letter : On XX/XX/XXXX, I sent a formal cease and desist letter to both Resurgent Capital Services and LVNV Funding LLC. This letter specifically requested that both companies cease any attempts to contact me, store, collect, or share my personal information. The letter was received and signed for by these companies approximately 33 days ago, on XX/XX/XXXX, but I have never received any written acknowledgment or response from them. 

Identity Theft Report : I originally included LVNV Funding LLC in my FTC Identity Theft Report and later updated this report to include Resurgent Capital Services. Both companies were notified of my identity theft status and have been made aware that I do not wish to have any business dealings with them. 

Harassing Actions : Despite the clear cease and desist request, both Resurgent Capital Services and LVNV Funding LLC have continued to violate my rights by repeatedly attempting to contact me. The most recent attempt occurred on XX/XX/XXXX, when I received yet another harassing letter from Resurgent Capital Services, further demonstrating their disregard for my legal rights. 

Legal Violations : The actions of Resurgent Capital Services and LVNV Funding LLC violate the following laws and regulations : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : This law prohibits debt collectors from contacting consumers after they have requested that communications cease, which I clearly communicated in my cease and desist letter.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : This statute restricts the sharing and storage of a consumers personal information, particularly when the consumer has not authorized such actions.

Identity Theft Enforcement and Restitution Act of 2008 ( ID Theft Act ), 18 U.S.C. 1028 : This act provides protections to victims of identity theft and includes provisions for the cessation of improper business activities when identity theft is reported.

Given these violations, I am seeking compensation for damages in the amount of {$50000.00} for each violation. I believe this is a fair amount given the harm caused by the persistent and unlawful actions of Resurgent Capital Services and LVNV Funding LLC. 

Request for Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these companies for their violations of my rights, enforce the relevant legal penalties, and hold Resurgent Capital Services and LVNV Funding LLC accountable for their unlawful actions. 

Thank you for your attention to this matter. I look forward to your response and am available to provide any further documentation or information required for the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation