Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX Subject : Formal Dispute and Demand for Immediate Removal of Account Violation of XXXX XXXX XXXX ( g ) and Cease and Desist Order To Whom It XXXX Concern, I am writing regarding XXXX XXXX and unlawful reporting of a debt on my credit report without providing the debt validation information I lawfully requested. On XX/XX/24 XXXX  a written request for validation of the alleged debt, as required by XXXX XXXX XXXX ( g ) ** of the Fair Debt Collection Practices Act ( FDCPA ). To date, XXXX XXXX XXXX has failed to provide any of the legally required documentation to verify the validity of the alleged debt. 

# # # Violations of 15 USC 1692 ( g ) Under **15 USC 1692 ( g ) **, I have the right to request debt validation, which must include : - The amount of the debt - Documentation showing that I am indeed liable for the debt in question. 
- My wet signature guaranteeing I agreed to pay this debt -History of payments made by me on this debt -im asking to see has any insurance claims been done on this debt -detailed list of history of payments made by me on this debt -lastly proof that you have the chain of title to collect on this debt Your failure to comply with this request not only violates the FDCPA but also demonstrates your inability to prove the validity of this debt. Despite this, you have continued to report this account to the credit reporting agencies, which is a blatant disregard of federal law and my consumer rights. 

# # # Cease and Desist Violation Furthermore, on [ date of cease and desist letter ], I sent a **Cease and Desist** letter instructing you to stop all collection activities, including reporting to the credit bureaus. By continuing to report this unverifiable debt, you are in violation of both the FDCPA and my explicit demand that you cease all communications and collection efforts. 

# # # XXXX Demands XXXX. **Cease Reporting** : Immediately cease reporting this alleged debt to all credit reporting agencies, as you have failed to provide the legally required validation. 

XXXX. **Remove the Account** : Remove this collection account from all credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX business days**. 

XXXX. **Cease Communication** : You are also reminded to adhere to the Cease and Desist demand. Any further communication, collection attempts, or reporting without proper validation is a violation of federal law, and I will not hesitate to pursue further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages for harassment and illegal reporting. 

XXXX FUNDING HAS FAILED TO COMPLY WITH THESE REQUEST I expect immediate written confirmation that this account has been removed from all credit reports and that you will comply fully with my cease and desist request.

Company response to consumer: Closed with explanation