Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent multiple request for debt validation and Cease & Desist letter and they have received, they continue to robocall my phone violating my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Date : XX/XX/XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Complaint Continued Violations of Consumer Rights & Demand for Immediate Action Dear Resurgent Capital Services , I am submitting this formal complaint regarding your companys continued failure to respond to my prior request for debt validation and your ongoing deceptive and unlawful collection practices. I previously sent a debt validation request via USPS Certified Mail Tracking Number : XXXX, which was delivered and picked up at your facility in XXXX, SC XXXX, on XX/XX/XXXX, at XXXX AM. Despite this, you have failed to provide the lawfully required documentation verifying the alleged debt, and your company continues to engage in harassing communication tactics in direct violation of federal law. 
Violations of Federal Consumer Protection Laws 1. Failure to Validate Alleged Debt o Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am legally entitled to a full and verifiable debt validation before you continue reporting this alleged debt.

o You have failed to provide : A copy of the original signed contract with my wet signature.

A detailed and itemized account history of payments, interest, and charges.

Proof of your legal right to collect the debt, including assignment documents.

A full description of the verification process used to confirm this debt under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

2. Illegal Robocalls and Continued Harassment o I previously issued a Cease-and-Desist demand requiring your company to stop all communications. Despite this, I am still receiving robocalls from your company.

o These unauthorized calls violate the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, which prohibits automated calls to consumers without their express written consent.

o This continued harassment is a direct violation of my rights and an additional actionable offense under federal law.

3. Unlawful and Deceptive Credit Reporting Practices o Your companys failure to provide debt validation while continuing to report derogatory information to credit bureaus is both deceptive and damaging.

o This has negatively impacted my ability to secure necessary credit for homeownership and vehicle financing, causing tangible harm to my familys financial well-being.

o Reporting unverified debt is a violation of FCRA, 15 U.S.C. 1681s-2, and may subject you to enforcement action by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Demand for Immediate Action Due to your ongoing violations, I am demanding immediate corrective action : 1. Cease all unauthorized robocalls immediately.

2. Provide a full and lawful debt validation response within ten ( 10 ) business days, including : o A copy of the original contract with my wet signature. 
o A detailed payment history from the original creditor.

o Proof of assignment/ownership of the debt.

o A description of the verification process used to confirm this debt. 
XXXX. Remove and permanently delete this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Failure to Comply & Legal Consequences If you fail to comply with these demands, I will pursue the following actions : File formal complaints with the CFPB, FTC, and the New Jersey Attorney Generals Office for violations of FDCPA, FCRA, and TCPA.

Initiate a formal dispute with all three credit bureaus and request a full investigation into your reporting practices. 
Pursue legal action against Resurgent Capital Services/LVNV Funding LLC XXXX seeking statutory damages for : o FDCPA and FCRA violations o TCPA violations for unauthorized robocalls o Actual damages suffered due to your unlawful actions o Attorneys fees and costs associated with litigation This is not a duplicate complaint but an official escalation due to your continued non-compliance with federal regulations. I have maintained a detailed record of all correspondence and unauthorized calls and will not hesitate to take further legal action if this matter is not immediately resolved. 
Please direct all written responses to my mailing address above Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation