Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The following communication was sent to this debt collection agency and is now being sent to you as they have not complied with my request, this item is still being reported and communication attempts are still being made to me via phone and mail : RE : CEASE & DESIST COLLECTION ACTIVITY Account # XXXX To Whom It May Concern : I write you now very seriously. You report a so-called collection account for {$810.00} with open date XX/XX/XXXX. You are a debt buyer, not an original creditor. What you are doing is illegal. This letter serves as a statutory cease and desist, a request for debt validation, and a demand for deletion from all credit reporting agencies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand you cease and desist all collection activity and delete this account from every credit reporting agency immediately. 

1. No Proof, No Right Under 15 U.S.C. 1692g ( FDCPA ), you must give me proper validation of alleged debt. That mean original contract with my wet-ink signature, full account history, and chain of title from original creditor. You can not just say I own this alleged debt without showing lawful proof.

No contract= No obligation.

No original record= No right to collect.

No proof you even have legal assignment= No standing.

Without this, reporting is false, misleading, and abusive in violation of 1692e ( false representation ) and 1692f ( unfair practices ).

2. Unlawful Reporting Violates the FCRA By putting this on my credit report without proof, you violate : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : You must ensure maximum possible accuracy. Reporting an alleged debt with no proof is not accurate and fails this requirement.

FCRA 611, 15 U.S.C. 1681i : When a consumer disputes, the furnisher must investigate. A parroting verification is not enough. Courts have held that parroting a prior response does not meet this standard ( Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ).

FCRA 623, 15 U.S.C. 1681s-2 : As a furnisher, you can not report information you know ( or should know ) is inaccurate.

Unless you can substantiate your claim with lawful evidence, you are furnishing false and defamatory information to the credit reporting agencies.

3. Cease Communication & Delete Immediately Under FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ), I am demanding you stop all contact with me except to confirm deletion or legal action. Any further attempts to contact me for collection purposes will be documented as harassment. Under FCRA 623 ( b ) ( 1 ), you must investigate and delete unverifiable or inaccurate data within 30 days.

4. Legal Consequences if You Fail If you do not delete this account and stop collection : I will pursue damages under FDCPA 813, 15 U.S.C. 1692k and FCRA 616617, 15 U.S.C. 1681no, including actual, statutory, and punitive damages plus attorneys fees.

I will sue for defamation, invasion of privacy, and negligent enablement of identity theft as your continued reporting of unverified data is reckless and harmful. You are playing with my name and my life, and I will not allow it.

My Demand Delete the account immediately from XXXX, XXXX, and XXXX. 
Send me written confirmation within 15 days. 
Provide full documentation proving you own this alleged debt and that my wet signature is on contract, or admit you have none. 
Continuing to report or attempt to collect without lawful validation is a violation of federal law and will not be tolerated. This letter serve as final warning. Comply with law, or prepare for court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation