Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Formal Complaint Against XXXX XXXXXXXX, Resurgent Acquisitions, LLC, and XXXX XXXX XXXX for Unauthorized Debt Collection To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX for violating debt verification and reporting standards, in direct conflict with consumer protection laws. 

On XX/XX/year>, XXXX XXXX provided written confirmation stating that the account ( ending in XXXX, XXXX # XXXX ) was deleted from all three credit bureaus. They explicitly confirmed that debt is no longer owed to XXXX XXXX. Despite this confirmation, XXXX XXXX sold the account and debt to multiple collection agenciesXXXX XXXX XXXXXXXX and XXXX XXXX XXXX of which are now attempting to collect on a debt that was previously removed due to lack of verification and for an unauthorized third party- CFPB complaints associated XXXX Open, Closed XXXX, XXXX, XXXX XXXX XXXX This action contradicts Capital Ones own statement and violates consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA ensures that credit bureaus do not reinsert deleted debts without proper verification, and Capital Ones actions have led to a potential reinsertion violation. 

FDCPA prohibits debt collectors from attempting to collect an unverifiable debt, as Resurgent Acquisitions, LLC and XXXX XXXX XXXX are now doing. 

Since XXXX XXXX was unable to verify the debt, they correctly requested its deletion. The fact that both Resurgent Acquisitions, LLC  and XXXX XXXX XXXX are pursuing collection efforts on this same accountafter it was deemed unverifiablerepresents a direct violation of my rights. Additionally, the sale of this account to multiple collection agencies raises concerns about improper handling of deleted debts and potential fraudulent collection practices. 

Furthermore, this debt can not be reinstated or reinserted onto any of my credit reports. XXXX XXXX confirmed that the debt was removed and deemed unverified ; therefore, any attempt by Resurgent Acquisitions, LLC or XXXX XXXX XXXX to report, reinstate, or collect on this debt is a violation of my consumer rights under federal law. 

Cease and Desist Request I formally request that Resurgent Acquisitions, LLC and XXXX XXXX XXXX immediately cease all collection efforts related to this debt. 

XXXX XXXX Credit Bureau Resolutions letter states " We're sending a request to the credit bureaus to delete the XXXX XXXXXXXX account from your credit bureau file, in accordance with our internal reporting policies we are unable to provide all requested documents Case Number XXXX and for case number XXXX and XXXX you not owe this debt to us anymore, but you may still owe something to Resurgent Acquisitions, LLC This debt should never have been sold to your collection agency.

Any further collection attempts will be considered a violation of federal consumer protection laws.

Formal Discovery Request Under federal consumer protection laws, I am requesting full documentation proving the validity and legal authority of your collection efforts. Please provide the following information : 1. Debt Validation Documents A copy of the original signed agreement that created this debt.

A full account history, including all payments, charges, and adjustments made before the debt was sold. 

Documentation proving the chain of ownership, including all assignments of ownership between XXXX XXXX and your agency. 

Proof of debt verification, including any prior correspondence from XXXX XXXX verifying the debt before selling it. 

2. Legal Authority to Collect A copy of the purchase agreement between XXXX XXXX and your agency, proving legal ownership of the debt. 

Proof that your agency is licensed to collect debts in my state. 

Any debt validation response previously provided when I or any third party requested verification. 

3. Credit Reporting Details Records of prior credit bureau reporting of this debt, including dates of reporting and deletion. 

Documentation of any attempt to reinsert or reinstate the debt onto my credit reports, including compliance with FCRA regulations. 

XXXX. XXXX XXXX Records A full communication log of all collection attempts made regarding this debt, including letters, emails, and phone calls. 

Proof of payment demands, including an itemized breakdown of the balance being attempted to collect and justification for the amount. 

Documentation showing whether your agency has complied with requests to cease collection activity, given that the debt was deemed unverified. 

XXXX. XXXX XXXX XXXX XXXX proving that all collection attempts comply with the Fair Debt Collection Practices Act ( FDCPA ). 

Confirmation that your agencys actions align with Consumer Financial Protection Bureau ( CFPB ) guidelines on debt collection and reporting. 

Additionally, I request written confirmation from your agency that you will immediately cease collection attempts on this debt and acknowledge that this account can not be reinstated or reinserted onto my credit reports. 

Failure to provide the requested documentation may result in legal action, including formal complaints filed with the CFPB, FTC, and my states attorney general. I expect a full response to this discovery request within XXXX days of receipt. 

Requested Actions I request that the CFPB take immediate action to ensure that : Resurgent Acquisitions, LLC and XXXX XXXX XXXX immediately cease collection efforts for this account. 

XXXX XXXXXXXX is investigated for improper debt handling and potential violation of FCRA. 

A formal claim is filed against all involved parties for attempting to collect on a debt that has already been removed and can not legally be reinserted onto my credit reports. 

Written confirmation is provided from XXXX XXXX, Resurgent Acquisitions, LLC, and XXXX XXXX XXXX confirming the resolution of this matterspecifically stating that collection efforts have ceased and that the debt remains permanently removed from my credit reports. 

Conclusion This unauthorized collection attempt is deceptive and unjust. It undermines my rights as a consumer and contradicts federal regulations regarding debt verification and credit reporting. 

I urge the CFPB to conduct a thorough investigation and enforce compliance measures against all involved parties.

Company response to consumer: Closed with non-monetary relief