Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have requested both original contracts with my signature along with all statements and charges for these two accounts but these crooks Resurgent/LVNV Funding, who have been prosecuted and paid millions, by the FTC, CFPB, and others in the past for the same misconduct have NOT learned their lesson, they refuse to send them!! They must now remove and cancel the debts as they are in breach of both the FCRA and FDCPA and they have also illegally re-aged both debts another breach of the same laws!! They are reporting these accounts in breach of the FCRA and FDCPA, they have NEVER BEEN VERIFIED and it is the LAW that ALL DEBTS MUST BE VERIFIED BEFORE THEY CAN BE COLLECTED ON OR REPORTED TO ANY CREDIT REPORTING AGENCY, NOT AFTER THEY HAVE IGNORED AND BROKEN THE LAWS!! As well XXXX is also in breach of the same laws, as are the other credit reporting agencies for NOT verifying the debt before or after my disputes!!! It took them a couple of days and they added this to my account, that is fraud and is NOT VERIFYING THE DEBTS AS ACCURATE!!! I WANT A COPY OF MY COMPLAINT SENT TO THE FTC AS WELL AND I WANT BOTH OF YOU TO GO AFTER THEM, FINE, THEM, MAKE THEM CANCEL THE DEBTS AND REMOVE THEM FROM MY CREDIT REPORTS, ALL OF THEM, AND ENFORCE THE FDCPA AND FCRA AND HOLD THEM ACCOUNTABLE FOR BREAKING THE LAWS, AS WELL I WANT THESE CROOKS FINED FOR RE-AGING OF THESE UNVERIFIED DEBTS AND XXXX ALSO FINED FOR BREAKING THE FCRA AND NOT INVESTIGATING AS THEY SHOULD HAVE, THOROUGHLY AND FULLY!!! Then I want all three of my credit reports updated and a physical copy showing all has been completed mailed to myself and your office and I do NOT want this complaint closed until it is done and I let you know it is done!!! I CAN AND WILL SUE THEM FOR BREAKING THESE LAWS TOO!!! 
Show less RESURGENT/LVNV FUNDING XXXX .... 
Updated Information on this item has been updated. Please review your report for the details. 
Before Dispute Account name RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX  Account number XXXX .... 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Recent balance {$1500.00} as of XX/XX/XXXX Credit limit or original amount {$1500.00} High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

After Dispute Account name RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX  Account number XXXX .... 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Recent balance {$1500.00} as of XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Show less RESURGENT/LVNV FUNDING XXXX .... 
Updated Information on this item has been updated. Please review your report for the details. 
Before Dispute Account name RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX  Account number XXXX .... 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Recent balance {$1000.00} as of XX/XX/XXXX Credit limit or original amount {$1000.00} High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

After Dispute Account name RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX Account number XXXX .... 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Recent balance {$1000.00} as of XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Comment Account information disputed by the consumer ( Meets the requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX!! XXXX

Company response to consumer: Closed with explanation