Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I am filing this complaint regarding repeated and systemic failures to provide validation and to conduct a reasonable investigation by Resurgent Capital Services L.P. in connection with this account. On XX/XX/year>, I submitted a written validation request which was received XX/XX/year>. Resurgent failed to provide any of the requested documentation and instead supplied generic, internally generated materials that do not establish ownership or authority. This response is a standardized template response and does not reflect a good-faith or individualized investigation. Pattern of Conduct - XX/XX/year>XXXX : Verification issued - XX/XX/year>XXXX : Review initiated This demonstrates verification occurred prior to any claimed investigation. This account reflects a repeated and escalating pattern across multiple months : * XX/XX/year>XXXX : Review initiated and TWO identical verification packets issued ( different document numbers ) * XX/XX/year> : Review initiated and verification issued same day This demonstrates that no meaningful investigation is being conducted. In each instance, verification is produced immediately upon or contemporaneously with the claimed review, and in some cases duplicated with different document identifiers, indicating reproduction rather than independent analysis. Additionally, all verification documents explicitly state they are internally generated by Resurgent and are not statements from the original creditor. Despite the absence of validation, the account has been verified as accurate through the consumer reporting agencies, indicating that verification is occurring without a reasonable investigation. Continued Activity During Active CFPB Complaint This conduct has continued while an active CFPB complaint was pending against Resurgent regarding a related Credit One / LVNV account. In that prior CFPB matter, Resurgent Capital Services L.P. explicitly acknowledged that it had not provided validation of the alleged debt while continuing collection activity, including credit reporting of the alleged debt while continuing collection activity. Despite that admission and being on notice of compliance concerns at the federal level, Resurgent continued the same pattern of behavior without correction, including issuing same-day review and verification responses and relying solely on internally generated materials. This demonstrates a disregard for regulatory oversight and reinforces that the conduct is systemic rather than incidental. Compliance Concerns This repeated conduct demonstrates more than a failure to validate a single account. It reflects a systemic process in which : * Verification is issued without a meaningful investigation * Internally generated documents are substituted for original creditor records * Collection activity continues despite unresolved disputes This raises significant concerns regarding compliance with federal consumer protection requirements, including obligations to conduct a reasonable investigation and to furnish accurate information under the FCRA and FDCPA. Given the repeated reliance on internally generated documents and same-day verification responses, the accuracy and reliability of the information can not be reasonably established. In such cases, the information can not be considered reliable or accurate, and deletion is the appropriate and necessary corrective action.

Company response to consumer: Closed with explanation