Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against ( XXXX  XXXX XXXX ACCT # XXXX ). I REJECT your offer to contract I DO NOT CONSENT to any NON-AFFILIATED THIRD PARTY ( XXXX XXXX XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT ON CONSUMER PRIVACY and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION RIGHTS VERY CRITICAL TO PROTECT. I never gave my permission TO ( XXXX XXXX XXXX ) USE OF ANY of my Identifying information they are emailing me constantly, calling me constantly, and mailed a letter all with in a weeks time I FEEL LIKE THEY ARE HARASSING ME. This is ( XXXX XXXX XXXX ) NOTICE to CEASE AND DESIST ALL illegal activity and communications with me and if they try to falsely furnish any false credit debt information ON MY consumer report which will be considered communication and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information BUT WITHOUT my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. This alleged debt SOLD BY ( XXXX XXXX XXXX ) WITH MY NON-PUBLIC PERSONAL INFORMATION TO XXXX XXXX XXXX A THIRD PARTY DEBT COLLECTION COMPANY ( XXXX XXXX XXXX ACCT # 3531 ). BASED ON THERE ACTIVITIES I now have reason to believe that THEY BOTH ARE conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL EXTORTINATE means. There is NO TRILATERAL CONTRACT BETWEEN US ( XXXX XXXX XXXX ) AND THERE WAS NO TRILATERAL CONTRACT WITH ( XXXX XXXX XXXX ). THE F.D.C.P.A WAS CREATED TO PROTECT ME THE CONSUMER FROM THIS TYPE OF DAMAGING, UNFAIR, HARASSING BEHAVIOR FROM A DEBT COLLECTOR. THERE IS NO LEGAL OBLIGATION TO PAY YOU ( XXXX XXXX XXXX ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS LIKE YOU THAT PUBLIC KNOWLEDGE AFTER CFPB FINDINGS IS KNOWN TO VIOLATE CONSUMER RIGHTS .AND IF YOU ATTEMPT TO REPORT THIS FALSE ALLEDGED DEBT TO ANY OF THE CREDIT AGENCIES AND IT GETS PUT ON MY CONSUMER REPORTS YOU THEN WILL BE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section XXXX of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY XXXX XXXX XXXX TO PURSUE AND HARASS ME OVER THIS FALSE ALLEDGED DEBT THIS IS WILL BE GROUNDS TO EXCERCISE MY FEDERAL RIGHTS UNDER 15 USC 1692 E8 VIOLATION. AND BY FALSELY REPORTING THIS ON MY CONSUMERS REPORT YOU WILL CAUSE ME TO BE DENIED AND PROHIBIT ME FROM EXTENSIONS OF CREDIT FOR HAVING THIS " XXXX XXXX XXXX ACCOUNT '' ON MY REPORTS IT WILL ALSO BE GROUNDS FOR THE FALSE CLAIM ACT " XXXX XXXX XXXX YOU WILL THEN BE RESPONSIBLE FOR PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL CONSUMER RIGHT ESTABLISHED BY US CONGRESS. WHICH NOW WILL ALSO PUT YOU IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL CONSUMER RIGHTS BE PROTECTED, AND FEDERALLY RESPECTED, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) and under this violation under the F.D.C.P.A allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND RIGHT NOW WITH ALL THE CALLS EMAILS, LETTER UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF XXXX U.S.C. XXXX STATING a debt collector in collecting a debt, XXXX NOT HARASS, oppress, or abuse any person. For example, a debt collector XXXX not : Use or threaten to use XXXX or other criminal means to harm the physical person, REPUTATION, or property of any person. AGAIN WE HAVE NO CONTRACT XXXX XXXX XXXX I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH XXXX WHOM YOU STATED IN YOUR LETTER TO ME " SOLD MY NON PUBLIC INFORMATION TO YOU XXXX XXXX XXXX ", AND I HAVE NO CONTRACT WITH YOU XXXX XXXX XXXX NOR DO I DESIRE TO. AND BE ADVISED UNDER 15 USC 1692K CIVIL LIABILTY I AM TO BE AWARDED {$1000.00} PER FDCPA VIOLATION FINDINGS AND I FOUND 1 VIOLATION. AND I AM POINTING IT OUT THAT I FOUND A F.D.C.P.A VIOLATION. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} PER VIOLATION COMPENSATION TO MY MAILING ADDRESS 1675 XXXX XXXX XXXX XXXX, IA XXXX. BE ADVISED UNDER THE F.D.C.P.A I AM TO BE AWARDED THIS DUE TO YOUR FDCPA VIOLATION. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C, AND F.D.C.P.A, AND THE CFPB. FEDERAL CONSUMER LAWS SUPERCEDES ANY FALSE DEBT ALLEDGED BY A THIRD PARTY DEBT COLLECTOR. I DEMAND MY DAMAGES WHICH I AM DUE UNDER THE F.D.C.P.A IMMEDIATELY DUE TO YOUR NONCOMPLIANCE OF THE F.D.C.P.A VIOLATION UNDER 15 USC 1692D.IM CALLING ON THE CFPB TO ACKNOWLEDGE, POLICE, ENFORCE, MY FEDERAL CONSUMER PROTECTION RIGHTS THAT XXXX XXXX XXXX AREN'T AWARE OF VIOLATING. IM STANDING ON ALL MY FEDERAL PROTECTION CONSUMER RIGHTS THE FDCPA, FTC, CFPB, STATE I HAVE.

Company response to consumer: Closed with explanation