Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint against the XXXX major credit XXXX, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX U.S.C. XXXX ( a ). 
Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 
Violations and Legal Basis : The following violations form the basis of this complaint : XXXX U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. 
The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Historical CFPB Enforcement Actions for Reference : This is not an isolated incident. The CFPB has already issued enforcement actions against these same entities : CFPB v. XXXX  ( XXXX ) : For misleading consumers and failing to properly investigate disputes. 
CFPB v. XXXX  ( XXXX ) : For failure to correct inaccurate data and deceptive practices. 
These cases show a pattern of noncompliance that persists despite regulatory intervention. Nature of the Disputed Items : I am disputing the following categories of data, which have been verified without sufficient documentation : Late payments Charge-offs Collections Hard inquiries Student loans ( unvalidated promissory notes or balances ) Incorrect personal identifiers ( past addresses, name variations ) In many cases, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA XXXX. 
Listed below are the how each bureau failed to provide accurate information on my credit report in spite of being sent an FTC report, Police Report, DL and proof of address : EQUIFAX XXXX, Creditor is reporting the as a closed charged off account and has not provided an earning statement to me. Balance should say {$0.00} ( They also have this on my report twice, XXXX for closed and XXXX for open ) XXXX XXXX XXXX, The Creditor has reported as closed and paid off as agreed. 
On XX/XX/XXXX after speaking to a fraud rep with Equifax and confirming that a police report and FTC ID Theft report was received, she acknowledged the receipt of the XXXX reports but told me the reports were invalid and they could not validate the authenticity of the reports. 
Inquiries The following creditors did not have my permission to pull my credit report or they do not have a current financial agreement with me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX solutions XX/XX/XXXX XXXX Credit Bureau XX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX via dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer XX/XX/XXXX Old employers should be removed : XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX VIA auto fin XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Movement XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments XXXX  has reported as closed and paid as XXXX. My report is showing 90 days late. 
XXXX XXXX with XXXX late payments XXXX XXXX has reported as charge off and refused to provide an earnings statement to me. 


Personal Information : Remove the following I am not associated with the addresses : XXXX XXXX Way XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Remove former employer : XXXX Claims XXXX  XXXX XXXX Showing open status on credit report, but creditor has closed the account and charged {$210.00} off and creditor refused to send earnings statement XXXX Acct XXXX Creditor stated via email on XX/XX/XXXX that they were removing the collection and reporting it as removed since this debt was not associated with me. Submitted XXXX XXXX XXXX report to the creditor Inquiries : Capital XXXX Auto Finance XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX  XXXX Auto Finance XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Public Information After XXXX and XXXX XXXX not XXXX XXXX me on XX/XX/XXXX, Experian added XXXX more addresses currently not associated XXXX me. 

XXXX. XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX Real-World Harm : Because of these inaccuracies, I have suffered the following adverse effects : Denied financing for [ mortgage/car/personal loan ] Higher interest rates on approved credit Reputational damage due to reported delinquencies Emotional distress caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection Deadline for Resolution : I request full resolution within XXXX business days. If this matter is not resolved in compliance with XXXX U.S.C. XXXX, I will pursue private legal action under FCRA XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ), including all applicable damages and legal fees. 

The FCRA was enacted to protect consumers like myself from exactly this type of systemic abuse. The current credit reporting ecosystem fails to meet basic legal standards, and this complaint serves as both a call to action and formal demand for enforcement. I respectfully request the CFPB to hold these entities accountable. 
Prayerfully,

Company response to consumer: Closed with explanation