Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Dear Resurgent Correspondence, This letter serves as a formal and unequivocal dispute of the alleged account referenced above, currently appearing on my consumer credit reports from XXXX XXXX and XXXX. I demand the immediate and permanent deletion of this account due to grave violations of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

This is not a request for verification ; this is a demand for permanent deletion based on the following direct violations and my absolute right to accurate and verifiable information : UNVERIFIABLE, INACCURATE, OUTDATED, AND/OR INCOMPLETE INFORMATION ( FCRA VIOLATION ) : My right under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that all information furnished to consumer reporting agencies must be " complete and accurate. '' Your reporting of this account is fundamentally flawed. I assert, unequivocally, that the information you have furnished regarding this alleged debt is unverifiable, inaccurate, outdated, and/or incomplete. This includes, but is not limited to, the original creditor, account status, balance, payment history, and date of last activity.

Specific Violation : By reporting data that can not be fully verified, or that contains inaccuracies, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation upon receiving a dispute from a consumer reporting agency. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) mandates that furnishers provide " accurate information. '' Your failure to do so is a clear breach of your legal obligations.

LACK OF FORWARD FLOW AGREEMENT AND COMPLETE CHAIN OF ASSIGNMENT ( FDCPA & FCRA VIOLATION ) : I demand, under penalty of law, immediate production of the complete and unbroken chain of assignment for this alleged debt, demonstrating a legal and valid transfer of ownership from the original creditor to Resurgent Correspondence. This includes the original Forward Flow Agreement, if applicable, or any other agreement detailing the bulk sale or individual assignment of this specific account.

Specific Violation : Without this concrete evidence, you can not legally demonstrate that you are the rightful owner of this alleged debt, nor that you have the legal standing to report it to consumer credit bureaus or attempt to collect it. Your failure to provide this documentation renders your claims to ownership and your reporting of this account unverifiable and potentially fraudulent, directly violating 15 U.S.C. 1692e ( prohibiting false, deceptive, or misleading representation or means in connection with the collection of any debt ) and 15 U.S.C. 1692f ( prohibiting unfair practices ). Furthermore, reporting unproven ownership status violates the accuracy requirements of the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ).

UNAUTHORIZED AND IMPERMISSIBLE REPORTING ( FCRA VIOLATION ) : Given the unverifiable nature of this alleged debt and your failure to provide the legally required documentation, your continued reporting of this account to any consumer reporting agency constitutes unauthorized and impermissible conduct.

Specific Violation : Furnishing information you can not prove to be accurate and complete violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires furnishers of information to consumer reporting agencies to provide accurate information. If you can not provide the full chain of assignment and the Forward Flow Agreement, then your claim to this debt is unsubstantiated, and your reporting of it is therefore inaccurate and misleading, violating the core tenets of the FCRA.

DEMANDS : Based on the aforementioned violations and your demonstrable failure to adhere to federal law, I demand the following immediate and permanent actions : PERMANENT DELETION : Immediately and permanently delete this alleged account, Account Numbers XXXX, from all of my consumer credit reports ( XXXX XXXX XXXX and any other reporting agency you furnish information to ). 
CEASE AND DESIST REPORTING : Immediately cease and desist from all further reporting of this alleged account to any and all consumer reporting agencies.

FORWARD FLOW AGREEMENT & CHAIN OF ASSIGNMENT : Provide the complete and unredacted Forward Flow Agreement, if applicable, and the entire unbroken chain of assignment for this specific account, demonstrating legal ownership and the right to collect or report this debt. Failure to provide this within 15 days of your receipt of this letter will be taken as an admission that you can not verify your claim to this debt and will serve as further grounds for legal action.

FAILURE TO COMPLY : Be advised that failure to comply with the demands set forth in this letter within fifteen ( 15 ) calendar days of your receipt will be construed as an admission that you can not verify the accuracy or completeness of this account, nor your legal right to report or collect it. Such non-compliance will leave me with no alternative but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Initiate a lawsuit against Resurgent Correspondence for violations of the FCRA and FDCPA, seeking statutory damages, actual damages, attorney 's fees, and court costs.

Seek injunctive relief to compel the removal of this inaccurate and unverifiable information from my credit reports.

My rights under federal law are absolute. I expect immediate and verifiable compliance with this dispute and demand for permanent deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief