Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
CFPB COMPLAINT RESURGENT CAPITAL SERVICES , L.P . 

Consumer Information : Name : XXXX XXXX XXXX XXXX Mailing Address : P.O. XXXX XXXX, XXXX XXXX XXXX, MI XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : Resurgent Capital Services , L.P . 
P.O. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Type of Issue : Debt Collection / Credit Reporting / Unauthorized Data Use / Privacy Violation Original Creditor ( if known ) : [ Insert Name LVNV Funding, XXXX XXXX XXXX, or original creditor if available ] XXXX. Summary of Complaint I am submitting this complaint because Resurgent Capital Services, L.P. has reported and attempted to collect on an alleged debt without verification, lawful contract, or statutory authority. 
Despite my formal dispute, debt validation, and forensic audit demand dated XX/XX/year>, Resurgent has continued to report this account to XXXX, XXXX, and XXXX, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Michigan Collection Practices Act ( MCL 445.251 et seq. ). 

The company has failed to validate the alleged debt, identify the true creditor, provide any supporting contract or billing history, or confirm lawful ownership and handling of my personal data. 

Furthermore, I have reason to believe that my Social Security number and personal identifiers were obtained and shared without consent, constituting a breach of federal privacy laws and misuse of secured collateral under my Michigan UCC Filing No. XXXX ( filed XXXX XXXX, XXXX  ). 

XXXX. Detailed Violations and Supporting Facts ( a ) Failure to Validate Debt ( FDCPA 1692g ( b ) ) Resurgent Capital has not produced any verified contract or billing statement proving that I owe the alleged balance. It has not identified the original creditor, date of charge-off, or proof of ownership or assignment. The continued collection and reporting absent verification violates the FDCPAs debt validation requirements. 

( b ) False or Misleading Credit Reporting ( FCRA 1681s-2 ( b ) ) After I disputed the tradeline in writing, Resurgent failed to conduct a reasonable investigation or correct inaccurate data. The company continues to report the disputed account, causing damage to my creditworthiness and financial reputation, including denial of a credit application through XXXX in XX/XX/year>. 

( c ) Unauthorized Access and Privacy Violations ( Gramm-Leach-Bliley Act & Privacy Act ) Resurgent Capital accessed and transmitted my Social Security number and identifying data without any verified contract or consent. I have demanded disclosure of the statutory basis for this access under 5 U.S.C. 552a ( Privacy Act ) and 15 U.S.C. 6801 ( GLBA ), but the company has ignored this request. This raises serious privacy and identity-theft concerns.

( d ) Omission of Insurance, Bond, and Securitization Disclosures In my forensic audit demand, I requested all records identifying any insurance, surety, or securitization instruments tied to this alleged debtsuch as errors & omissions ( E & O ), fidelity bonds, or asset-backed receivable pools. Resurgent failed to respond. If the debt has been indemnified or securitized, continued collection would constitute double recovery and unjust enrichment, a deceptive act under 15 U.S.C. 45 ( a ) and MCL 600.2919a.

( e ) Failure to Cease Collection During Dispute ( FDCPA 1692g ( b ) ) Even after receiving my formal dispute, Resurgent has continued to report the account as open or collection on my credit file. This is a direct violation of the FDCPA and FCRA, which prohibit continued activity until validation is complete. 

XXXX. Legal Context and Collateral Rights All identifiers and instruments associated with my name, XXXX XXXX XXXX XXXX, are lawfully secured under Michigan UCC Filing No. XXXX, which perfects a security interest in all personal data, contracts, and commercial instruments pursuant to MCL XXXX, XXXX, and XXXX. 
Unauthorized use or monetization of such identifiersincluding through credit reporting, resale, or analyticsconstitutes conversion, fiduciary breach, and discrimination under : 15 U.S.C. 1691a ( ECOA ) MCL 37.2302 ( b ) ( Elliott-Larsen Civil Rights Act ) 18 U.S.C. 1028 and 1028A ( Identity Theft ) I placed ResurgenXXXX on constructive notice of these obligations. Their failure to respond, validate, or delete the account is a willful violation of federal and state law. 

XXXX. Harm and Damages Because of Resurgents ongoing reporting and data misuse : I was denied credit through XXXX in XX/XX/year> ; My credit score and financial standing have been damaged ; My personal and financial information may have been unlawfully shared or monetized ; and I have experienced undue stress, reputational harm, and economic loss. 

XXXX. Requested CFPB Action I respectfully request that the CFPB investigate and compel Resurgent Capital Services to : Cease all collection and reporting activity until full validation and lawful ownership are confirmed ; Produce all documents proving contractual authority, account chain of title, and data-handling compliance ; Disclose any insurance, surety, or securitization instruments connected to the account ; Instruct all credit bureaus ( XXXX, XXXX, XXXX  ) to delete the tradeline immediately ; and Confirm in writing that my identifiers have been removed from all internal systems, vendors, and data brokers. 

I also request that the CFPB consider referring this matter for potential enforcement under FDCPA, FCRA, GLBA, and state privacy law violations, as Resurgents conduct shows a systemic disregard for consumer verification and data protection. 

XXXX. Supporting Documents Debt Validation, Forensic Audit, and Deletion Demand Resurgent Capital ( XX/XX/year> ) Experian Report Screenshot Resurgent Capital Account ( XXXX XXXX  ) Michigan UCC Filing No. XXXX ( Filed XXXX XXXX, 2025 ) I certify that the information provided in this complaint is true and correct to the best of my knowledge and belief. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX XXXX XXXX, MI XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation