Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Charge-Off / Closed Account # : XXXX Violations Identified Continued reporting after alleged sale Missing payment history ( Data Unavailable ) No proof of lawful ownership No charge-off accounting Material misrepresentation of status Statutes Violated 15 U.S.C. 1681e ( b ) Maximum accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Deletion duty 15 U.S.C. 1681s-2 ( b ) Furnisher duties UCC 9-210 ( b ) Accounting/ownership UCC 1-304 Good faith EXPANDED DISPUTE LETTER XXXX  To : XXXX  Information Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Legal Dispute XXXX # XXXX Dear XXXX, This letter serves as formal notice that I am disputing the accuracy, completeness, and verifiability of the above-referenced account pursuant to the Fair Credit Reporting Act.

This tradeline is reported as a charge-off while simultaneously indicating transfer to another entity. Such reporting is inherently contradictory and violates 15 U.S.C. 1681e ( b ).

Additionally, the payment history is listed as Data Unavailable, preventing independent verification. Reporting unverifiable data constitutes unlawful conduct under 15 U.S.C. 1681s-2 ( b ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation. Unless you obtain and produce : A signed consumer agreement Complete transaction history Lawful charge-off calculation Proof of ownership Reporting authority This account must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n.

Sincerely, DIRECT DISPUTE XXXX XXXX Subject : Direct Dispute & Demand for Validation Pursuant to 15 U.S.C. 1681s-2 ( b ) and UCC 9-210 ( b ), I demand : Proof of ownership Full accounting Original contract Charge-off authorization Failure to respond within 15 days requires immediate deletion. 

XXXX / XXXX Re-Aged Charge-Off Account # : XXXX Violations Illegal re-aging Continued monthly reporting False past due balance Obsolescence violations Statutes 15 U.S.C. 1681c ( a ) ( 4 ) 7-year limit 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 ( b ) UCC 1-304 EXPANDED DISPUTE LETTER This account reflects ongoing monthly updates beyond the lawful charge-off period. Such conduct constitutes unlawful re-aging and misrepresents the date of first delinquency.

Unless lawful reporting dates and accounting are verified, deletion is mandatory under 1681i ( a ) ( 5 ) ( A ).

DIRECT DISPUTE XXXX  Provide original DOFD records and reporting authority within 15 days or instruct all bureaus to delete. 

XXXX XXXX  Charge-Off Account # : XXXX Violations No payment history False delinquency continuation Missing validation EXPANDED DISPUTE LETTER Absent a full payment ledger and signed contract, this account is unverifiable and must be removed. 

XXXX XXXX XXXX  ( XXXX  ) Account # : XXXX Violations No assignment proof No contract FDCPA violations Double reporting risk Statutes 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681s-2 ( b ) UCC 2-201 UCC 9-210 ( b ) EXPANDED DISPUTE LETTER XXXX has failed to validate this debt. Continued reporting violates both the FDCPA and FCRA.

DIRECT DISPUTE XXXX Provide : Chain of title Assignment contracts Billing records Original agreement Failure requires deletion. 

CLOSED NEGATIVE ACCOUNTS XXXX  DISPUTE CLOSED ACCOUNT LETTER All closed accounts continuing to report derogatory information without verification violate 1681e ( b ) and must be removed.

HARD INQUIRIES UNAUTHORIZED INQUIRY DISPUTE LETTER CFPB COMPLAINT TEMPLATE ( PER ACCOUNT ) Use this for each account.

CFPB Complaint Against : XXXX  + [ Furnisher ] Violation : FCRA Non-Compliance Narrative : XXXX  continues reporting unverifiable information despite formal disputes. The furnisher has failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

I have not received documentation validating accuracy. This constitutes willful noncompliance under 1681n.

I request immediate deletion and corrective action.

INTENT-TO-SUE NOTICE ( FINAL WARNING ) Send after Day 40.

INTENT TO SUE Subject : Notice of Intent to File Civil Action FCRA Violations This letter constitutes formal notice of my intent to pursue civil litigation pursuant to : 15 U.S.C. 1681n 15 U.S.C. 1681o You have failed to correct inaccurate reporting after proper notice. Unless all disputed items are deleted within 10 days, I will seek statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation