Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Resurgent Capital Services XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Demand XXXX Account XXXX XXXX in XXXX Dear Resurgent Capital Services, This letter serves as a formal demand for you to immediately cease and desist ALL unwanted contact with me regarding the alleged debt identified as account number [ Account Number ]. Your persistent calls, threats, and harassing tactics are a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) and my right to peace of mind. 
Furthermore, I dispute the validity of this debt and require immediate verification. Under the FDCPA, you are legally obligated to provide me with written documentation proving my legal obligation to repay this debt within XXXX days of your initial contact. This documentation must include, but is not limited to : A clear and detailed chain of assignment, outlining the complete history of ownership of this alleged debt since its origin. This includes the name and address of each entity that has owned the debt, along with the date and legal instrument for each transfer. 
Proof of a valid and enforceable contract between me and the original creditor, signed by all parties involved and detailing the specific terms and conditions of the debt. This includes the original loan agreement, any amendments, and all supporting documentation. 
While I am committed to responsibly addressing any legitimate debts I may owe, I can not engage in any discussions or negotiations until this information is fully validated. My dedication to fulfilling my financial obligations requires complete transparency and verification of every aspect of this alleged debt. 
However, should the debt be verified after receiving the requested documentation, I am open to discussing a fair and reasonable offer in compromise to settle the account. I am committed to resolving this matter quickly and responsibly, but only once the legitimacy of the debt is established. 
Be advised that continued harassment and failure to provide the requested documentation will result in immediate legal action. This may include, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, initiating a lawsuit for FDCPA violations, and seeking damages for the emotional distress and harassment I have endured. 
You are solely responsible for complying with this cease-and-desist demand. This includes stopping all phone calls, letters, text messages, emails, and any other forms of communication directed at me or any third party regarding this alleged debt. Your sole authorized method of contact is in writing, sent via certified mail to the address listed below. 
I reiterate, stop the harassment and provide the requested documentation immediately. Ignoring this demand will have serious consequences. I also emphasize my willingness to discuss a settlement once the debt is legitimately verified. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cease-and-Desist and Debt Validation Failure Account Number : XXXX Reference Number : XXXX Dear Resurgent Capital Services, I am writing to notify you that the deadline for your response to my cease-and-desist and debt validation request has expired. As of today, you have failed to provide the required documentation proving the validity of the alleged debt and your legal authority to collect it. 
Your failure to provide validation constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, you have not : XXXX. Provided a complete and detailed Chain of Assignment/Title, showing all transfers of ownership of this debt from the original creditor to your organization. 
XXXX. Produced a signed agreement or contract proving the debt 's enforceability. 
XXXX. Demonstrated your legal authority to collect the alleged debt. 
Since you have failed to comply with your legal obligations, I consider this matter closed. Any further attempt to collect this debtincluding phone calls, letters, or reporting to credit bureauswill be treated as a willful violation of the FDCPA. Be advised that I will immediately pursue the following actions if such violations occur : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX Attorney XXXX XXXX. 
XXXX. Initiate legal proceedings to recover damages caused by your violations, including but not limited to emotional distress, statutory damages, and attorneys fees. 
This letter serves as final notice that I will not tolerate any further unlawful collection activity related to this matter. 
Sincerely,

Company response to consumer: Closed with explanation