Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This complaint is in response to original complaint number XXXX which was closed not even 7 days after the company responded therefore not allowing me to respond. The date listed on your website for me to respond by is XX/XX/XXXX. Now, here is my response to resurgent/LVNV funding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania, XXXX XXXX XX/XX/XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Pursuant to 12 CFR 1006.34 and 15 U.S.C. 1692g Dear Resurgent Capital Services, I am responding to your recent communication regarding the alleged debt associated with XXXX XXXXXXXX XXXX and I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and Regulation F ( 12 CFR Part 1006.34 ), which require debt collectors to provide specific validation information before continuing collection activities.

Formal Request for Debt Validation Pursuant to 12 CFR 1006.34 ( c ), I am requesting : 1. Itemization of the Debt A complete breakdown of the alleged debt, including the original creditor ( XXXX XXXXXXXX XXXX ), principal balance, interest, fees, and other charges.

2. Verification of Ownership Proof that you or your client has the legal right to collect this debt. 
3. Original Creditor Information The full name and address of XXXX XXXX XXXX, along with a copy of the original signed agreement ( if applicable ). 
4. Proof of Assignment Documentation proving that XXXX XXXX XXXX legally assigned this debt to your company and that you have standing to collect it. 
5. Account History A full payment history from XXXX XXXX XXXX including any payments made, interest applied, and any changes to the balance. 

Case Law Supporting XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that debt collectors must provide adequate validation of a debt and must not misrepresent its status or balance. 
FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The case reinforced that debt collectors must verify debts before engaging in collection activities and are liable for deceptive or unfair practices.

Cease Collection Until Debt Validation Is Provided As required by 15 U.S.C. 1692g ( b ), you must cease all collection efforts until proper validation is provided. If you fail to validate the debt, you are prohibited from continuing collection attempts. Additionally, any reporting of unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Notice of Potential Violations Failure to comply with this request may result in legal action, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Seeking damages in accordance with FDCPA, which allows for statutory damages up to {$1000.00} per violation Reporting non-compliance to the Federal Trade Commission ( FTC ) and state Attorney Generals office Conclusion Please provide the requested validation within 30 days of receiving this letter. If you fail to do so, I will assume this debt is unverified, and any further collection activity may constitute a legal violation. 

All future communications regarding this matter must be in writing. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation