Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services Illegal Contact After Cease-and-Desist, No Validation, Threats to Sue, False Pre-Legal Notices & Inaccurate Credit Reporting ( FDCPA + FCRA Violations ) Complaint : I am filing a complaint against Resurgent Capital Services for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), CFPB Regulation F, and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a written request for full debt validation under 15 U.S.C. 1692g ( b ) and included a cease-and-desist request under 15 U.S.C. 1692c ( c ). This was sent via certified mail, and I have proof of delivery.

Despite my written request, Resurgent Capital Services has continued to contact me through email, violating : 15 U.S.C. 1692c ( c ) contacting me after a written cease request 12 C.F.R. 1006.6 ( c ) Regulation F communication restriction Failure to Validate the Debt ( FDCPA Violations ) Resurgent Capital Services has not provided legal validation as required by : 15 U.S.C. 1692g ( a ) ( b ) 12 C.F.R. 1006.34 ( Reg F validation requirements ) Specifically, they did not provide : A purchase agreement or proof of the chain of ownership Documentation showing who has owned the alleged debt Proof they have the legal right to collect Information confirming whether they can legally sue on the debt ( Reg F 1006.26 ( b ) ) They continue collection activity without providing validation, violating 15 U.S.C. 1692g ( b ).

Threats to Sue/ Pre-Legal Notices/ Pressure to Pay Resurgent Capital Services has also : Threatened to sue me Stated the account would be sent to pre-legal Attempted to pressure me into paying the debt These statements are unlawful because they are made : Before validating the debt, violating FDCPA 1692g ( b ) ( must stop all collection until validation ) In a manner that is false, deceptive, or misleading, violating : 15 U.S.C. 1692e general prohibition on false or misleading representations 15 U.S.C. 1692e ( 5 ) threatening legal action that can not legally be taken or is not intended 15 U.S.C. 1692e ( 10 ) use of deceptive means to collect a debt Threatening lawsuits, implying immediate legal action, or pushing for payment before validating the debt is an FDCPA violation.

Inaccurate Credit Reporting ( FCRA Violations ) Resurgent Capital Services has reported the account as open on my credit report, which is inaccurate and misleading.

This violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibition on furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) failure to properly investigate and correct disputed information Because Resurgent Capital Services has : Failed to validate the debt Continued contacting me illegally Threatened legal action without validation Used deceptive pre-legal language Furnished incorrect credit reporting I am requesting that the CFPB require Resurgent Capital Services to : Delete this account entirely from all credit reports, and Cease all collection efforts unless and until full proper validation is provided.

Company response to consumer: Closed with non-monetary relief