Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I have already disputed this debt with them and they sent me a computer generated letter from a XXXX not addressing any of my concerns. They just sent statements, no contract with my signature. 
They are in complete violation of my consumer rights trying to collect on a debt that is not owed and still reporting incorrect amounts on my credit report. 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) The FCRA ( 15 U.S.C. 1681 ) requires that all information reported to credit bureaus be accurate, complete, and timely. It is my contention that your company has wrongfully reported inaccurate information that has resulted in XXXX XXXX to my credit score and my ability to obtain credit, particularly affecting my ability to purchase a home. Specifically : Section XXXX ( b ) mandates that information reported to credit reporting agencies be accurate. Your reporting contains incorrect information that violates this section, as I have never owed the amounts you are reporting or settled the debt in the manner described. 
Section XXXX ( a ) ( XXXX ) ( A ) requires that when a consumer disputes information, the credit reporting agency must investigate and correct or remove the inaccurate information within a reasonable period ( usually XXXX  days ). Despite my previous attempts to resolve this issue, no corrective action has been taken, which constitutes a violation of this provision. 
XXXX. Violation of Fair Debt Collection Practices Act ( FDCPA ) The FDCPA ( 15 U.S.C. 1692 ) establishes protections against abusive debt collection practices. Your actions have violated the following sections : Section XXXX ( XXXX ) ( A ) : You have falsely represented the amount of debt owed or the nature of the debt itself, misreporting this to credit agencies and damaging my financial standing. 
Section XXXX ( a ) : Upon my request, you failed to provide me with validation of the debt. Despite multiple attempts to contact your office, you have continued to report inaccurate information without providing the required documentation. 
Section XXXX : You have employed practices that are unfair or unconscionable by continuing to report this inaccurate debt, despite having received my disputes. 
XXXX. Damages and Impact Your wrongful reporting has caused significant financial harm to me, particularly in my efforts to purchase a home. As a result of your violation of the FCRA and FDCPA, I have suffered a substantial decline in my credit score and have been denied loans or subjected to significantly higher interest rates. This has caused me undue emotional distress, financial hardship, and lost opportunities. 
XXXX. Demand for Action I demand that you immediately take the following corrective actions : Correct or remove the inaccurate information reported to the credit bureaus regarding this debt. 
Provide written confirmation that this action has been taken and that your reporting is now in compliance with the FCRA and FDCPA. 
Cease and desist from any further attempts to collect on the alleged debt without proper validation. 
This is my legal right as a consumer and I demand action taken immediately!

Company response to consumer: Closed with explanation