Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Subject : Complaint Regarding Failure to Provide Proper Debt Verification, Continued Collection Attempts, and Improper Credit Reporting To Whom It May Concern, I am filing this complaint regarding a debt collector who has failed to provide proper verification of an alleged debt that I formally disputed. Despite my written request for validation under the Fair Debt Collection Practices Act ( FDCPA ), the collector has not provided the documentation required to confirm whether the alleged debt is accurate, legitimate, or legally enforceable. 

Specifically : They did not provide a complete itemized accounting of the alleged debt, including principal, interest, fees, and any other charges along with all account level documentation, including statements, billing statements, service contracts, payment history, charge off details, and how the amount was calculated and the date that this alleged debt became payable. 

They did not provide a copy of the original contract, agreement, or instrument bearing my signature, establishing that I incurred the alleged obligation. 

They did not provide documentation demonstrating the legal basis for any added fees or interest, including statutory or contractual authority. 

They did not provide a complete chain of assignment, sale, or transfer of the alleged debt from the original creditor to the present collector, including dates, terms under which this account was transferred and authorized signatures. 



They did not provide proof that their entity is licensed, bonded, and legally authorized to collect debts in my state, including your state license number and regulatory authority. 

They did not provide proof that the Statute of Limitations has not expired. 



Instead of supplying proper verification, the collector has continued to contact me regarding this alleged debt. These continued communications appear to violate the FDCPA, which requires all collection activity to cease until full validation is provided. 

Additionally, this unverified debt is being reported to the XXXX major credit bureaus. Because the collector has failed to validate the debt as required by law, I am requesting that this account be removed immediately from XXXX XXXX XXXX XXXX. Reporting a debt that has not been properly verified is inaccurate, harmful, and constitutes noncompliance with both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XX/XX/year> I received initial notice of the alleged debt from Resurgent Capital Services. 

XX/XX/year> I mailed a written debt validation request to Resurgent Capital Services. 

XX/XX/year> - XXXX confirmed delivery of my validation request to Resurgent Capital Services. 

XX/XX/year> I discovered the unverified debt was being reported to the credit bureaus. 

Evidence Included I am providing the following documentation for your review : Copy of my original debt validation request XXXX XXXX mail receipt and delivery confirmation Copies of any responses from the collector Call logs, emails, or letters showing continued contact Copies of my credit reports showing the account being reported Any incomplete or insufficient verification the collector provided Legal Concerns Based on the collectors actions, the following violations appear to have occurred : FDCPA Violations Failure to provide proper validation of the alleged debt Continued collection activity after a validation request FCRA Violations Reporting inaccurate or unverified information to credit bureaus Failure to ensure the accuracy and integrity of information furnished Requested Resolution I respectfully request that the CFPB : Investigate the collectors failure to provide proper verification Address the continued collection attempts made after my validation request Ensure the immediate removal of this unverified debt from all three credit bureaus Require the collector to cease all collection activity unless proper validation is provided Ensure compliance with the FDCPA and FCRA Thank you for your attention to this matter. I appreciate your assistance in helping resolve this issue.

Company response to consumer: Closed with non-monetary relief