Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Subject : Formal Request for Immediate Deletion of Collection Entry and Monetary Compensation for Damages Due to Willful Noncompliance **To Whom It May Concern, ** I am writing to formally request the immediate deletion of a collection entry from my credit report due to the willful and egregious noncompliance of Resurgent Receivables LLC XXXX with an agreement established through the CFPB. Their behavior constitutes harassment and has caused severe emotional distress, especially in light of my personal history as a survivor of domestic abuse. I am seeking both the deletion of this account and financial compensation for the trauma and damages incurred. 

# # # Background Details of Agreement : On XXXX XXXX, XXXX, Resurgent Receivables LLC XXXX XXXX through a formal CFPB complaint resolution, that they would cease all contact with me via phone, email, or text. This agreement came after I reported that I felt harassed by their communications regarding a debt I have no knowledge of. The terms were acknowledged in writing, and I expected them to honor this resolution. 

However, on XXXX XXXX, XXXX, Resurgent Receivables LLC XXXX this agreement by contacting me through text messages to the very phone number they agreed not to use. Attached to this letter is a screenshot showing the date, time, and content of the unauthorized message. 

# # # Grounds for Removal and Monetary Damages : 1. **FDCPA Violation 15 U.S.C. 1692c : ** Under the **Fair Debt Collection Practices Act ( FDCPA ) **, a debt collector is prohibited from contacting a consumer in a manner that violates agreed-upon restrictions or when the consumer has requested communication cease. By contacting me despite the written agreement, the collection company knowingly violated this provision. 
2. **Willful Reporting of Inaccurate Information FCRA ( 15 U.S.C . 1681s-2 ( b ) ) : ** The Fair Credit Reporting Act requires furnishers of credit information to ensure the accuracy of reported data. Given the violation of the agreement, the collection companys reporting of this debt is misleading and legally flawed. 
3. **Emotional Distress and Trauma : ** As a survivor of domestic abuse, I experience heightened emotional responses to situations that involve boundary violations, harassment, and a lack of control over communication. The collection companys actions have caused severe emotional distress, triggering past trauma related to stalking and harassment. The repeated violation of agreed-upon boundaries has resulted in anxiety, sleepless nights, and an inability to focus on daily responsibilities. 

# # # Requested Resolution : To remedy this harm, I am seeking the following : 1. **Immediate deletion of the collection account** from my credit reports with XXXX, XXXX, and XXXX. 
XXXX. **Monetary compensation of $ XXXX for the emotional and psychological distress caused by the companys willful noncompliance. This amount reflects the lasting impact of their harassment, including the retraumatization I experienced due to their failure to respect the boundaries established through a legal agreement. 
3. **A written acknowledgment** that Resurgent Receivables LLC will permanently cease any attempts to contact me regarding this debt. 

# # # Attachments : * Screenshot of the unauthorized text messages dated XX/XX/XXXX * XXXX of the original CFPB complaint resolution letter dated XX/XX/XXXX I am requesting a response and resolution within XXXX days**. Failure to address this matter appropriately may result in further action, including the pursuit of legal remedies for damages caused by the companys intentional misconduct and harassment. 

Thank you for your time and consideration. Please do not hesitate to contact me if further information is needed to support my claim. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation