Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal dispute and request an investigation into the actions of RESURGENT RECEIVABLE LLC, regarding violations of federal consumer protection laws that have caused significant harm to me as a consumer. Below are the details of my complaint, which involves violations of the following provisions : 12 CFR 1006.34 ( d ) : This regulation pertains to a debt collectors requirement to properly provide certain disclosures and information to the consumer upon request. In my case, RESURGENT RECEIVABLE LLC, failed to provide accurate information, despite multiple requests for validation of the debt. As a result, I am unable to verify the legitimacy of the debt they claim I owe, which is an improper business practice and violates my rights as a consumer. 15 USC 1681-S2 ( 7 ) ( A ) : According to this provision of the Fair Credit Reporting Act ( FCRA ), furnishers of information ( such as debt collectors ) are required to conduct reasonable investigations when a consumer disputes information on their credit report. RESURGENT RECEIVABLE LLC, has failed to a reasonable investigation into my dispute, and as a result, erroneous and damaging information continues to appear on my credit report. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors must not use any means or methods of collection that misrepresent or obscure the nature of the debt. RESURGENT RECEIVABLE LLC, has made misleading claims about the status of the debt and my obligations, which constitutes a violation of this regulation. 12 CFR 1006.34 ( c ) ( 4 ) : This provision requires that debt collectors provide clear and accurate notices about the debt, including a clear statement of the amount owed and how it was calculated. In my case, RESURGENT RECEIVABLE LLC, has failed to provide these disclosures in a clear and transparent manner, leading to confusion and potential financial harm. I request that both the Consumer Financial Protection Bureau and the Better Business Bureau investigate this matter and take appropriate action to resolve the dispute. The unlawful actions of RESURGENT RECEIVABLE LLC, have caused significant distress and harm to my financial well-being, and I believe it is crucial for them to be held accountable for their violations of consumer protection laws. Enclosed, I have provided supporting documentation to substantiate my claims, including [ list any documents such as credit reports, correspondence with the company, etc. ]. I appreciate your attention to this serious matter and look forward to a prompt resolution. Should you need any additional information or clarification, please do not hesitate to contact me. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation