Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Why have you sent me insufficient proof regarding the debt above? What you sent me does not prove that I owe this debt. What happened to the following list of information that I requested.

( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

Since you have not sent me valid proof, your collection efforts must stop or be placed on hold until you can prove that this debt belongs to me. You must DELETE this account at once. If you fail to place collection activity on hold, you will be in violation of the FDCRA, and I will hold your company accountable. This account is in dispute and you must freeze your collection activity.

In addition to stopping all collection activity on this account, please do not contact me by phone or by mail. You can only contact me mail to let me know that you have deleted the above account.

I will be checking my credit report in the next 10 days, and if this account is not deleted due to your failure to properly validate, I will seek legal advice to enforce my rights and file complaints with the CFPB.

This letter is regarding the account listed below.

Account : Reason : Instruction : I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state, you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days from this letter, I will have no other choice but to seek legal advice and to report your company to the Attorney Generals office, the XXXX XXXX XXXX  and the Consumer Financial Protection Bureau. 

Please remove the items listed above : Im tracking all communication with your company Waiting for your deletion.

Company response to consumer: Closed with explanation