Consumer complaint received 2024-10-10 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: CA

Complaint narrative:
I HAVE ASKED RESURGENT RECEIVABLES TO SHOW PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY SENT STATEMENT TRANSACTIONS WHICH IS NOT A PURCHASE AGREEMENT ALSO ITS REPORTING AS A CHARGE OFF PER THE INTERNAL REVENUE SERVICE A CHARGE OFF IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED AND A CONSUMER REPORT IF IT IS A CHARGE OFF WHY HAVE I NOT received A 1099C cancellation OF DEBT LAST THING THE DATES OPEN ARE ALL different which is innacucurate information being reported I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : XXXX. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between RESURGENT RECEIVEABLES LLC and the original creditor that outlines your authority to collect this debt!!!!. 

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Company response to consumer: Closed with explanation