Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have requested information from this company several times, not one time have I gotten any information about me being legally responsible for owing this debt they claim I owe. They respond back saying they believe they have answered all of my questions, when in fact they have not answered any. Resurgent Capital Services complied a file together that is supposed to represent me and a debt owed to them. This file that represents me is a form of identity theft, but was sent as debt validation. I have not contractually conducted any business with this company. I asked for the original contact bearing my signature and I have not received that. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The validation that was sent over to me thru the CFPB lacked critical information, compliant # XXXX XXXX, A complete and verifiable chain of assignment. Every transfer of ownership of this debt, from its origin to your possession, must be documented with specific dates, legal instruments, and the names of all parties involved. 
An original, signed copy of the agreement establishing the debt. I require the unaltered contract, complete with both my signature and that of the original creditor, along with any amendments or supporting documents. 
Unequivocal evidence of your legal right to collect this debt in my state. Please provide confirmation of your licensing and registration as a debt collector in Virginia, including your agency and registration number. 
Clear verification of your legal authority to collect this specific debt from me. I demand demonstrable proof that you possess the necessary legal instruments and rights to pursue this alleged obligation.

At this time I will also inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

FDCPA VIOLATION-15 USC 1692b ( 5 ) {$1000.00} FDCPA VIOLATION-15 USC 1692b ( 5 ) {$1000.00} FDCPA VIOLATION-15 USC 1692b ( 5 ) {$1000.00} FDCPA VIOLATION-15 USC 1692b ( 3 ) {$1000.00} FDCPA VIOLATION-15 USC 1692b ( 3 ) {$1000.00} FDCPA VIOLATION-15 USC 1692b ( 3 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692f ( 1 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692f ( 1 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692f ( 1 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692b ( 2 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692b ( 2 ) {$1000.00} FDCPA VIOLATION- 15 USC 1692b ( 2 ) Please provide the name and address of the bonding agent for Resurgent Capital Services, needed for when legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is my final request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation