Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint Against Equifax for Failure to Conduct Reasonable Investigation and Provide Required Documentation I am filing this complaint against XXXX XXXXXXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) with regard to inaccurate and fraudulent information being reported on my credit file. 

I am in the process of opening a new business and recently purchased a vehicle through XXXX XXXX. Unfortunately, I was forced to accept a very high interest rate due to derogatory and fraudulent information appearing on my XXXX  report. Specifically, the item in question is a tradeline reported by XXXX XXXX XXXX in the amount of {$620.00} acct # XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Type Collection services High Balance {$620.00} Open Date XX/XX/year> I have attached the letter that also show the hard inquiries I stated I was not familiar with and asked if they could be investigated to the fullest the law requires and that was not done. I got responces online when submitted less than 48b. hours which is proof no through investigation was done, nor did get documentation showing all original contract application or anything he law require me to receive, as I asked for.

To date, I have sent eight rounds of disputes to XXXX, both online, standard mail and by certified standard mail return receipt and the certified receipts have not been returned, requesting that XXXX provide me with the following, as required under law. I do know they received the standard mail because they updated the portal on line with a generic responce stating ( verified and update/account remains the same. ) The same letters were sent to XXXX  and XXXX and the accounts were removed after the second round of letters because they took the time to do the investigation that is required under the law. I saw the change on my credit report within 60 days of the letters. This show evidence XXXX did not do any type of investigation and just used the generic standard and moved on. 

Original signed contracts or applications with my signature. Documentation and account-level records that verify this account truly belongs to me. A proper reinvestigation into this matter, rather than an automated verification. Instead of complying with their legal obligations, XXXX  continues to send me generic responses in their portal, stating only that the account has been verified without providing any documentation as required by law. 

In addition, I filed a police report due to multiple fraudulent attempts to open credit accounts in my name over the past several years, with the most recent incidents occurring within the last three months. Despite providing this supporting evidence, XXXX has refused to correct or remove the inaccurate information. 

This conduct is in direct violation of the following provisions : FCRA 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 

FCRA 609 ( 15 U.S.C. 1681g ) Requires disclosure of all information in the consumers file, including the sources of information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits the furnishing of inaccurate information and obligates furnishers to properly investigate disputes forwarded by a CRA.

FDCPA ( 15 U.S.C. 1692g ) Requires debt collectors to provide verification of alleged debts upon request.

I have exhausted all available remedies directly with Transunion. After eight rounds of disputes and multiple certified letters, they have still failed to comply with their statutory obligations. I am now requesting that the CFPB intervene to ensure that Equifax conducts a proper investigation and removes this fraudulent information from my file.

Because this inaccurate reporting has caused me financial harm, including denial of fair financing for business capital and a vehicle loan with predatory interest rates, I respectfully ask that the CFPB : XXXX XXXX  to provide the original documentation they claim verifies this account. 
Require Transunion to permanently remove any unverified or fraudulent accounts from my report. Impose appropriate oversight and penalties for their repeated failure to comply with federal law. 

I am providing copies of my dispute letters, police report, and any correspondence from XXXX for your review. I attached proof from XXXX showing it was investigated and deleted as proof. 

Thank you for your attention to this matter. I trust the CFPB will take immediate action to hold XXXX accountable and protect my rights as a consumer.

Company response to consumer: Closed with explanation