Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between XXXX XXXX XXXX and the original creditor that outlines your authority to collect this debt. 

Please consider this letter as my formal request for you to cease all collection activities until this debt has been properly validated. Furthermore, I demand that you immediately remove any and all inaccurate information that you have reported to the credit bureaus concerning this alleged debt. Continuing to furnish this disputed and unverified information would be a direct violation of federal law. 

I expect a response within XXXX XXXX as required by law. Failure to comply will result in further action being taken to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies.This is a claim and respectful demand for DEBT VALIDATION, and offer to perform upon the preceding conditions : This offer of performance is made in good faith, to settle the attached complaint of alleged debt upon the condition XXXX XXXX validates the alleged debt and complies with the following stipulations herein within twenty-one ( XXXX ) XXXX  of receipt of this claim : 1 ) XXXX XXXX  completes, in entirety, the attached Debt Collector Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) XXXX XXXX, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with XXXX signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by XXXX signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant ; and 3 ) XXXX XXXX produces all relative commercial instruments, including but not limited to applications, assigns, agreements, and/or contracts, which contain exchange of benefit ( XXXX ) or consideration, and/or contain the verified signature of claimant ; and 4 ) XXXX XXXX provides, verified copies of all assigns, negotiations, securities and/or transfers of rights, title ( s ) and/or interest ( s ) and the like, sworn by XXXX signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading which unambiguously delineates that XXXX XXXX  is the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt including all supporting documentary evidence as proof ; and 5 ) XXXX XXXX produces all relative commercial instruments and/or notices, declarations, publications, which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations, liabilities, costs, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions ; and 6 ) XXXX XXXX provides proofs by affidavit or declaration, sworn by XXXX signature signed under the penalty of perjury, XXXX XXXX did not engage in any conduct to XXXX XXXX XXXX XXXX XXXX including but not limited to placing telephone calls without disclosure of the caller 's identity, the use obscene or profane language, causing a telephone to ring with the intent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; therefore THE COMPANY STATED THAT THE DEBT WAS CHARGED OFF ACCORDING TO THE INTERNAL REVENUE SERVICE A CHARGE OFF IS CONSIDERED INCOME AND INCOME CANT BE REPORTED I ALSO NEVER received any 1099c cancellation of debt

Company response to consumer: Closed with explanation