Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXXXXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$980.00} * * Dear Sir or Madam, This letter serves as a formal request for documentation under the Fair Credit Reporting Act ( FCRA ) regarding the account referenced above, which XXXX XXXX  XXXX is currently reporting on my credit file with a balance of {$980.00}, last reported on XX/XX/XXXX. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ) of the FCRA, I am entitled to all information in my consumer file, including the sources of the information. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and correct or delete any information that can not be verified. 

To date, I have received no evidence that XXXX XXXX XXXX has the legal authority to collect on or report this debt. I therefore demand the following documents : A complete and unbroken chain of assignment, including all purchase agreements, bills of sale, or transfer documents from the original creditor to XXXX XXXX XXXX ; A copy of the original signed agreement or contract that allegedly created the debt obligation ; A complete transaction history including all payments, interest, fees, and charges applied ; All notices of assignment or debt ownership transfer provided to me, as required by law. 

Illegal Reporting Without Originating Creditor Authorization or Valid Consumer Contract Federal consumer law prohibits the reporting of debt by third-party entities that do not own the debt, were not assigned the debt by the original creditor, or do not have a valid contract with the consumer. 

Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) : It is a violation of 15 U.S.C. 1692e to make false, deceptive, or misleading representations in connection with the collection of a debtincluding implying legal authority without proof of assignment ; Continued reporting without valid documentation is considered furnishing inaccurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Courts have held that collection agencies and debt buyers who can not prove ownership or contractual connection have no legal basis to report accounts to credit bureaus. See FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which confirmed that misrepresentation of debt ownership or reporting rights is a violation of federal law. 

If XXXX XXXX XXXX is unable to produce the original contract or proof of lawful assignment from the originator, then the continued reporting of this account is illegal and must cease immediately. 

Demand for Documentation You are required to respond within 30 days of receiving this letter with the following : Complete chain of assignment from the original creditor to XXXX XXXX XXXX ; A signed copy of the original agreement creating the alleged debt ; A detailed account statement or payment history ; Any notices of assignment sent to me ; All documents relied upon when reporting this account to credit bureaus. 

Preservation of Evidence You are hereby placed on notice to preserve all records, internal communications, data logs, and third-party correspondence related to this account. Destruction or alteration of any such evidence may result in sanctions for spoliation. 

Failure to comply with this demand may result in legal action under the FCRA, FDCPA, and relevant state laws. You may be liable for statutory damages, actual damages, punitive damages, and attorneys fees, pursuant to 15 U.S.C. 1681n, 1681o, and 1692k. 

Please send all responsive documentation to the address listed above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation