Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
CFPB COMPLAINT RESURGENT RECEIVABLES, XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : Resurgent Receivables, XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Reported Balance : {$450.00} Date Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Type : Collection Account 1. Summary of Complaint I am filing this complaint because Resurgent Receivables, LLC is reporting a XXXX XXXX XXXX  collection account on my XXXX  credit report that is inaccurate, unverified, and unauthorized. 

Despite my written Debt Validation, Forensic Audit, and Deletion Demand, Resurgent has failed to provide any verified documentation proving the existence, ownership, or lawful assignment of this alleged debt. No original contract, billing statement, or assignment evidence has been provided. 

Nonetheless, Resurgent continues to report this account as open and active, in violation of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), 1692e, and 1692f ; Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) ; and XXXX  Collection Practices Act ( MCL 445.251 et seq. ). 

Resurgent has also failed to demonstrate compliance with federal privacy protections under the Privacy Act ( 5 U.S.C. 552a ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), despite using or transmitting my personal identifiers ( SSN, DOB, and address ) without verified consent or permissible purpose. 

2. Violations and Supporting Facts a. Failure to Validate Debt ( FDCPA 1692g ( b ) ) Resurgent has not provided the original XXXX XXXX XXXX  agreement, itemized billing statements, or verified chain of assignment. Continuing collection or reporting without this documentation violates federal law. 

b. False or Misleading Reporting ( FCRA 1681s-2 ( b ) ) After I disputed the tradeline, Resurgent failed to conduct a reasonable investigation or request deletion. Continued reporting of unverifiable data is unlawful under FCRA. 

c. Unauthorized Data Access and Privacy Breach Resurgent has not proven any contractual authorization or legal basis to obtain, use, or store my personal data, violating Privacy Act 552a, GLBA 6801, and FCRA 1681b ( permissible purpose rule ).

d. Lack of Legal Standing or Ownership The company has provided no evidence showing it is the lawful owner, servicer, or authorized agent of XXXX XXXX XXXX. Without an assignment or transfer contract, its activities constitute unauthorized collection and false representation under FDCPA 1692e.

e. Continued Reporting During Active Dispute Resurgent continues to report this account to XXXX  as active and unpaid even after receiving formal written dispute notice, violating FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ).

f. Failure to Disclose Insurance, Bonding, or Securitization Instruments The company has not disclosed whether this debt has been securitized, insured, or monetized through any receivable pool or investment instrument. If so, further collection constitutes double recovery and fraud under MCL 600.2919a and 15 U.S.C. 1692e.

3. Legal Context and Collateral Claim All identifiers, records, and financial instruments associated with XXXX XXXX XXXX XXXX are lawfully secured under Michigan UCC Filing No. XXXX ( filed XX/XX/XXXX ). 
That filing perfects a security interest in all personal identifiers, data, and contracts pursuant to MCL 440.9203, 440.9308, and 440.9310.

Any unauthorized access, disclosure, or monetization of this collateral constitutes : Conversion and misappropriation under MCL 600.2919a ; Fiduciary breach and privacy violation under 15 U.S.C. 6801 ; Discrimination and adverse action under 15 U.S.C. 1691a and MCL 37.2302 ( b ) ; and Identity theft and unauthorized use under 18 U.S.C. 1028 & 1028A. 

By failing to validate or delete the account, Resurgent has continued to engage in unlawful collection, false representation, and misuse of consumer data. 

4. Harm and Damages As a result of these violations, I have suffered the following : Denial of credit opportunities ( including a XXXX loan denial, XX/XX/XXXX ) ; Reputational and credit-score damage from inaccurate reporting ; Exposure of personal identifiers to unauthorized third parties ; and Emotional distress and financial hardship from continued collection attempts. 

5. Requested CFPB Action I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate and compel Resurgent Receivables, LLC to : Cease all collection and credit-reporting activity until lawful validation is completed ; Provide verifiable documentation proving ownership, chain of assignment, and contractual authority to collect ; Disclose all insurance, bond, or securitization instruments related to the account, including any proceeds or indemnifications received ; InstrucXXXX XXXX XXXX, and XXXX  to delete the tradeline immediately pending resolution ; and Certify in writing that my personal identifiers have been permanently removed from all internal databases, vendors, and affiliates. 

I also request that the CFPB evaluate whether Resurgents actions constitute systemic violations of the FDCPA, FCRA, GLBA, and state privacy laws, and refer this matter for enforcement if warranted. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation