Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXXI am disputing an account reported by XXXX XXXX. on my XXXX  credit report with account number ending in XXXXThis account is incorrectly reported with an open date of XXXX XXXX XXXX, and a status update as recent as XXXX XXXX XXXX. However, the original account was with XXXX XXXX XXXX  and was charged off around XXXX. According to the Fair Credit Reporting Act (FCRA), negative accounts such as charge-offs must be removed after XXXX  years from the original date of delinquency, which would have been no later than XXXXXXXXThis appears to be an illegal re-aging of a closed account and potentially a misattribution to the wrong creditor (XXXX XXXX XXXX XXXX XXXX XXXX). I disputed the account with XXXX, but they verified it without resolving the age or origin of the debtXXXX RESPONSE: XXXXCREDIT FILE : XXXX XXXX XXXX Confirmation XXXX XXXX Dear XXXX XXXX We are pleased to let you know that the results of the dispute you recently filed with XXXX  are \ncomplete.  Here are a few things to know about the process: XXXXWere changes made to my credit report and what actions were takenXXXX Please see the following page(s) for more detailed information on your specific resultsXXXX If we were able to make changes to your credit report based on the information you provided, we have XXXXdone so.  Otherwise, we contacted the company reporting the information to XXXX  for them to \ninvestigate your disputeXXXX In this situationXXXX XXXX XXXX XXXX      We request that the reporting company verify the accuracy of the information you disputed; \n      We provide them with any relevant information and supporting documentation you provided us XXXXwith the dispute to consider as part of the investigation; and \n      We request that they send XXXX  a response to your dispute and update their records and \nsystems, as necessary.XXXX If your dispute involves a public record item, XXXX  contacts a third party vendor to obtain the most \nrecent status of the public recordXXXX How do I know that all of this is happening?XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX When the reporting company replies to us, they certify that they have followed XXXX  instructions and the law; considered all information and documentation XXXXprovided; and updated your information, as necessary.XXXX What should I do if I do not agree with the results of the investigation?\XXXX  You have a few options:\XXXX XXXX      You may add a statement of up to XXXX  words to your credit report.  If you provide a consumer statement that contains medical information related to XXXX(End of Report)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  services provided or medical procedures, then you expressly consent to including this information in every credit report we issue about you. \n     You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts XXXX(such as the original agreement), please contact your creditors directly. XXXX      You may provide us additional information or documents (such as an identity theft report or a letter from the reporting company) about your dispute XXXX help us resolve it by visiting our website XXXX  You may also mail your documents to XXXX XXXX XXXX XXXX XXXXGA 3XXXX  or contact us by calling us at XXXX XXXX XXXX XXXX      You may contact the Consumer Financial Protection Bureau or your State Attorney General's office about your issue or complaint against XXXX or XXXXthe company reporting the information.XXXX am requesting CFPB intervention toXXXXInvestigate this matterXXXXRequire XXXX to remove this obsolete and misreported accountXXXXEnsure XXXX  and/or any collector ceases the illegal re-reporting of expired debt"

Company response to consumer: Closed with explanation