Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent 's Privacy Policy California Privacy Notices California Privacy Policy Do Not Sell or Share My Info Notice to California Consumers : Collection of Personal Information California Privacy Policy This Privacy Policy was effective on XX/XX/year>. 
Right to Know : California residents have the right to know what personal information has been collected about them, what personal information has been disclosed about them, and what personal information has been sold to another party. 
A California resident has the right to request the categories of personal information collected, disclosed, and sold. 
In order to make a right-to-know request regarding your personal information, please submit your request to Resurgent Capital Services with confirmation that you are a California resident, your full name, and additionally, at least one of the following pieces of identification : The last four digits of your Social Security Number Your Resurgent Reference Number Your Account Number Click here to make an online request. Alternatively, you may send your request to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, or call toll-free : XXXX. 
If you are making the request on behalf of a third party, please provide a signed and notarized Power of Attorney executed by the party for whom you are requesting this information, providing you or your organization with the authority to receive this information. 
Resurgent Capital Services ( RCS ) will use this information to verify whether or not we have any personal information for you. Upon the completion of that determination, RCS will send you the information requested, the reason why we are not obligated to provide the information requested, notification that you have not provided enough information to verify whether or not we have any consumer personal information for you and what information is necessary to confirm whether we have your consumer personal information, or notice that we have no consumer personal information for you. 
Collection of Personal Information : All personal information RCS receives is subject to the GLBA. RCS is a financial institution as defined by U.S. Code Ann. 6809 ( 3 ) ( A ). All personal information provided by a consumer to a financial institution is covered by the GLBA per U.S. Code Ann. 6809 ( 4 ) ( A ) ( i-iii ). All additional information collected RCS is also subject to the XXXX. 
As to Sources, see above regarding XXXX exception. 
Disclosure, Sale, or Sharing of Personal Information : All personal information disclosed by RCS is subject to the XXXX. All personal information sold is subject to XXXX. RCS is a financial institution as defined by U.S. Code Ann. 6809 ( 3 ) ( A ). All personal information provided by a consumer to a financial institution is covered by the XXXX per U.S. Code Ann. 6809 ( 4 ) ( A ) ( i-iii ). 
Right to Correction California Consumers have the right to request that we correct the personal information collected or maintained by Resurgent Capital Services.

In order to request correction of your personal information held by Resurgent Capital Services, please submit your request to RCS with confirmation that you are a California resident, your full name, and additionally, at least one of the following pieces of information : The last four digits of your Social Security Number Your Resurgent Reference Number Your Account Number Click here to make an online request. Alternatively, you may send your request to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, or call toll-free : XXXX. 
If you are making the request on behalf of a third party, please provide a signed and notarized Power of Attorney executed by the party for whom you are requesting this information providing you or your organization with authority to receive this information. 
RCS will use this information to verify whether or not it has any personal information for you. Upon the completion of that determination RCS will send you notification that the information has been deleted, the reason why it is not obligated to delete the information requested, notification that you have not provided enough information to verify whether or not it has any consumer personal information for you and what information is necessary to confirm whether it has any consumer personal information for you, or notice that it has no consumer personal information for you. 
In the event RCS does not receive enough information to verify your identity but can identify you, the request to delete will be treated as a request to opt-out of the sale or sharing of data. 
If you are making the request on behalf of a third party, please provide a signed and notarized Power of Attorney executed by the party for whom you are requesting this information providing you or your organization with authority to receive this information. 
Right to Request Deletion of Personal Information California Consumers have the right to request the deletion of all or part of the personal information collected and maintained by Resurgent Capital Services. 
In order to request the deletion of your personal information held by Resurgent Capital Services, please submit your request to Resurgent Capital Services with confirmation that you are a California resident, your full name, and additionally, at least one of the following pieces of identification : The last four digits of your Social Security Number Your Resurgent Reference Number Your Account Number Click here to make an online request. Alternatively, you XXXX submit your request to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX or call toll-free : XXXX RCS will use this information to verify whether or not it has any personal information for you. Upon the completion of that determination RCS will send you notification that the information has been deleted, the reason why it is not obligated to delete the information requested, notification that you have not provided enough information to verify whether or not it has any consumer personal information for you and what information is necessary to confirm whether it has any consumer personal information for you, or notice that it has no consumer personal information for you. 
In the event RCS does not receive enough information to verify your identity, but can identify you, the request to delete will be treated as a request to opt-out of the sale or sharing of data. 
If you are making the request on behalf of a third party, please provide a signed and notarized Power of Attorney executed by the party for whom you are requesting this information providing you or your organization with authority to receive this information. 
Do Not Sell or Share My Info Right to Opt-Out of the Sale or Sharing of Personal Information California consumers have the right to opt out of the sale or sharing of personal information by a business. 
Click here to make an online request. Alternatively, you may submit your request to opt-out via telephone or in writing. 
If the request to opt out is being submitted by a third party on behalf of the consumer we must have some signed writing from the consumer giving the party making contact the express authority to request Opt-out on behalf of the consumer. 
Financial Incentives We do not offer financial incentives for consumer personal information. 
Right to Non-Discrimination for the Exercise of a Consumers Privacy Rights California residents have the right to be free from discrimination based upon their choice to exercise their rights under the California Consumer Privacy Act. 
Authorized Agent As a California resident, you may designate another individual or company to act as your authorized agent via properly executed power of attorney. The authorized agent will be required to provide any and all information required from you to verify your identity as well as proof of your authority to act on your behalf.

If you require more information regarding your request, please call toll-free : XXXX. 
Notice to California Consumers : Collection of Personal Information Resurgent Capital Services is a Financial institution as defined by U.S. Code Ann. 15 6809 ( 3 ) ( A ) ( the Federal XXXX XXXX XXXX XXXX  ) ) and, in the course of business, Resurgent Capital Services ( RCS ) , may collect data from you. Because it is a Financial Institution under the XXXX, RCS takes all measures required by the GLBA to protect the privacy of your data. 
That data is exempt from the operation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because it is covered by the XXXX.

Company response to consumer: Closed with explanation