Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XX/XX/year> Subject : Request for Deletion of Collection Account Due to Failure to Notify Within Five Days To Whom It May Concern, I am writing to formally dispute the collection account appearing on my credit report. This request is based on the grounds that the collection agency failed to notify me within the required five-day grace period as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Account - Creditor Name : XXXX XXXX  XXXX XXXX  - Collection Agency : XXXX XXXX XXXX  - Account Number : XXXX Failure to Notify Within XXXX Days Under the FDCPA, specifically 15 U.S. Code 1692g ( a ), a debt collector must provide the consumer with a written notice containing details of the debt within five days after the initial communication. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed valid by the debt collector if given contract or written consent. 
XXXX. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer.

5. A statement that upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In this case, I did not receive the required written notice within the stipulated five-day period nor any 30 day period. This failure to notify me is a clear violation of the FDCPA and affects the accuracy and validity of the information reported on my credit report. 

Request for Deletion Given the non-compliance with FDCPA requirements, I request that this collection account be investigated and subsequently removed from my credit report. Please conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation. 

Compliance with FCRA and FDCPA Under the FCRA, you are required to ensure the accuracy and integrity of the information in consumer credit reports. Additionally, the FDCPA stipulates the procedures and timelines for notifying consumers of their debt. As a consumer, I have the right to dispute any incorrect information and have it corrected or removed. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me in writing once the deletion has been completed. Should you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation