Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : Formal Dispute, Cease and Desist, Request for Validation, and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing regarding the account your company is reporting and/or attempting to collect under my name. I formally dispute the validity, accuracy, ownership, and legal enforceability of this alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand that your company immediately cease all collection activity unless and until you r ide full and complete validation of this allegeu debt. Despite previous disputes, your company continues reporting this account to consumer reporting agencies without providing sufficient documentation establishing that : I legally owe this debt ; Your company has legal standing and ownership rights to collect this debt ; The amount being reported is accurate and complete ; The account information being furnished is fully verified ; You possess a valid signed agreement bearing my signature ; The alleged debt falls within the legal reporting and collection periods. Accordingly, I deman following : 1. Complete validation of the alleged debt including, A copy of the original signed contract or agreement ; Full payment history and itemized accounting ; Proof of assignment or chain of title showing your legal ownership rights ; Documentation proving the date of first delinquency ; Copies of any documents bearing my signature ; Proof that your company has authority to collect in my state. 2. Immediate cessation of all collection communications and collection activity until proper validation is provided. 3. Immediate remo of any inaccurate, misleading, incomplete, or unverifiableinformation furnished to XXXX, XXXX, and XXXX. Written confirmation that this account has been marked as " disputed '' with all credit reporting agencies pursuant to FCRA 623 ( a ) ( 3 ). Please be advised that reporting disputed information without conducting a reasonable investigation may constitute violations of : FDCPA 809 FDCPA 807 FCRA 611 FCRA 623 If your company can not fully validate this alleged debt with competent evidence, you must immediately ce collection efforts and request deletion of the account from all consumer reporting agencies. Furthermore, any continued reporting of inaccurate, incomplete, misleading, or unverifiable information after receipt of this notice may be considered willful noncompliance under federal law. Please also note : I do not acknowledge liability for this alleged debt. This letter is not a refusal to pay. This letter is not permission to restart any statute of limitations. Any telephone communication is hereby refused. All future correspondence must be in writing only. Failure to comply may result in additionalcomplaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Florida Attorney General, and potential civil action for violations of the FDCPA and FCRA. I request written response and supporting documentation within 30 days.

Company response to consumer: Closed with non-monetary relief