Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
PYOD LLC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. 
I have reason to believe PYOD LLC had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and Racketeer Influenced and Corrupt Organizations ( RICO ) act. PYOD LLChas not attempted to lawfully validate this alleged debt prior to furnishing this false trade-line to nonaffiliated third parties as ana attempt to jeopardize mu consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. 
The furnishing of this false tradeline violates the FCRA. I am demanding PYOD LLC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. PYOD LLC is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. If PYOD LLC can prove this extension of credit is in fact a debt as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. IF your enterprise does not have prior approval from any legislative branch of government in this united states your company is knowingly in violation o the False Claims act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, PYOD LLC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the RICO act 18 USC 894. Although your enterprise my have lawfully purchased the debt you are not exempt from any legal consequences as your activities have not been in accordance with the FDCPA, you should be also aware that your company will held responsible if youre at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal collection activity and to remove this fraudulently furnished tradeline from my consumer credit report immediately or I will follow up with a complaint with the FTC and my states attorney general and move to file suit in federal court.

Company response to consumer: Closed with explanation