Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Formal Demand for XXXX XXXX, Verification, XXXX XXXX XXXX, and Purchase Agreement Disclosure XX/XX/XXXX [ XXXX XXXX XXXX ] From : By XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Demand for XXXX XXXX  XXXX XXXX of Status, Security Interest XXXX XXXX and Purchase Agreement Disclosure under the Fair Credit Reporting Act Dear [ RECIPIENT NAME OR " Sir or Madam '' ], XXXX. Demand for XXXX XXXX I hereby demand equitable relief as recognized by law and equity, including my right to be made whole and to have any adverse, inaccurate, or unverified information concerning me promptly removed or corrected if it can not be substantiated. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant authority including Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to both statutory and equitable remedies where legal remedies prove insufficient. 

XXXX. Duties of Furnisher Upon Dispute 15 U.S.C. 1681s-2 ( b ) This letter serves as formal notice of dispute regarding information reported or furnished by you to any consumer reporting agency. Under 15 U.S.C. 1681s-2 ( b ), you are required to : Conduct a reasonable investigation regarding the disputed information ; Review all relevant information provided by the consumer reporting agency ; Report the results of your investigation to the consumer reporting agency ; If the disputed information is found to be inaccurate or incomplete, promptly modify, delete, or block the reporting of such information ; Notify all nationwide consumer reporting agencies to which you furnished the information of any correction or deletion. 
I demand strict compliance with these duties and request written confirmation of all actions taken. 

XXXX. Request for XXXX XXXX and XXXX XXXX to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I further demand prompt reinvestigation and that you produce a certified affidavit from an authorized XXXX or custodian of records attesting to the accuracy and completeness of any and all information reported about me. Provide all supporting documentation, including but not limited to account statements, chain of title, and contractual terms upon which you rely. 

XXXX. Demand for Purchase Agreement If you claim any right, title, or interest in my account or debt, provide a complete and unredacted copy of the purchase agreement or assignment between the original creditor and your entity ( LVNV Funding or Resurgent Capital ), including all exhibits, schedules, and applicable transfer and assignment documentation. This should include the transfer of any rights to collect, report, or otherwise enforce the account. Failure to provide proof of assignment or ownership XXXX constitute grounds to require deletion of adverse information and cease all collection activity. 

XXXX. Security Interest and Claim of Rights I hereby assert and provide notice of my claim of a security interest in my personal and consumer information under applicable law. You are strictly prohibited from selling, transferring, or otherwise encumbering my information or account, except as authorized by law and after providing proper notice to me and securing my explicit consent. Any alleged or attempted transfer, sale, or assignment of my consumer account or information without the production of the original, wet-ink signature legal documents will also be deemed a violation of my rights and XXXX render any such transfer or reporting unlawful and void. 

XXXX. Verification of Consumer Reporting Agency Status To my knowledge, neither LVNV Funding nor Resurgent Capital is a " consumer reporting agency '' under the FCRA, 15 U.S.C. 1681a ( f ). If this is incorrect, please provide verified documentary evidence of such status and authority.

7. Response and Compliance Required You are required to respond in writing to each demand herein within thirty ( 30 ) days of receipt. Your response should include all supporting affidavits, contracts, and evidence as outlined in this letter.

Failure to comply may constitute a violation of federal law and may entitle me to statutory and equitable relief, including actual and punitive damages, costs, and attorneys fees. 

by XXXX XXXX, XXXX on behalf of XXXX XXXX without recourse

Company response to consumer: Closed with explanation