Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : XX/XX/XXXXXXXX  Subject : URGENT : DEMAND FOR IMMEDIATE COMPLIANCE & DOCUMENTATION | Account # XXXX. SUMMARY OF VIOLATIONSYour XX/XX/XXXX communication violates multiple federal/state laws and industry standards : FDCPA 1692e ( 15 U.S.C. 1692e ) : Threatening to report a time-barred debt ( Texas 4-year SOL expired XX/XX/XXXX XXXX .CFPB Regulation F ( 12 CFR 1006.34 ( c ) ) : Fraudulent dispute deadline ( XX/XX/XXXX vs. legal XXXX window ending XX/XX/XXXX ) .FCRA 1681s-2 ( 15 U.S.C. 1681s-2 ) : Reporting unverified tradeline without XXXX XXXX dispute flag.Texas Finance Code 392.101 : Operating without an active surety bond ( verified via Texas SOS records ) .GLBA 6802 ( b ) : Failure to implement data safeguards per your Privacy Policy.II. CHAIN OF CUSTODY BREAKDOWNCritical Deficiencies Identified : StageLegal StandardFailureCollectionFTC Safeguards RuleNo notarized Bill of Sale from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) .DocumentationXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Missing audit trail of personnel accessing Account # XXXX XXXX ( b ) No server logs proving encrypted storage ( XXXX ) .TransferCFPB 1006.6 ( c ) ( 1 ) Undocumented data sharing with XXXX ( violates XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$710.00} balance ( post-SOL fees suspected ) .III. COMPLIANCE DEMANDS1. Immediate Actions ( By XX/XX/XXXX ) : Delete Tradeline : Remove from all credit reports via XXXX system.Cease Collections : Formal written confirmation of cessation.2. Documentation Submission ( By XX/XX/XXXX ) : Notarized Bill of Sale ( XXXX XXXX XXXX ) Encrypted server access logs ( XXXX ) Third-party data sharing contracts ( Resurgent/XXXX ) XXXX. Financial Remedy : Wire {$14000.00} to [ Account redacted ] for : {$1000.00} FDCPA statutory damages {$3800.00} FCRA willful noncompliance {$9600.00} Texas DTPA penaltiesIV. LEGAL CONSEQUENCES OF NONCOMPLIANCEFailure to act by deadlines triggers : Federal Lawsuit : {$250000.00} punitive damages ( S.D. Texas Case # XXXX ) .Regulatory Escalation : CFPB complaint ( Docket # XXXX ) Texas AG license revocation under [ XXXX XXXX CODE XXXX ] ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit Bureau Fines : $ XXXX for unauthorized access ( 15 U.S.C. 1681c-1 ) .Attachments : Texas SOS Bond Verification ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX DecisionChain of Custody ChecklistCHAIN OF CUSTODY CHECKLIST ( DEBT VALIDATION ) For compliance with FDCPA, FCRA, Texas Finance Code 392, and CFPB Regulation FI. COLLECTION DOCUMENTATIONNotarized Bill of Sale Includes original creditors letterhead ( XXXX XXXX XXXX  ) Lists Account # XXXX specifically ( no " portfolio '' references ) Signed/dated by both XXXX XXXXXXXX and LVNV representativesOriginal Creditor Records Itemized statements ( XXXX ) showing : Original debt amount ( {$710.00} principal ) Interest/fees breakdown ( no post-SOL charges ) Signed credit agreement with consumers signatureII. TRANSFER & STORAGEData Security Proof Server access logs ( XXXX ) showing : XXXX encryption during storageTamper-evident audit trails Physical custody records ( if paper files exist ) Third-Party Transfer Compliance Contracts authorizing data sharing with Resurgent/XXXX  Consumer consent forms for electronic communicationsIII. ANALYSIS & REPORTINGForensic Accounting Report Mathematical validation of {$710.00} balance Proof no interest/fees added post-SOL ( XX/XX/XXXX ) Credit Reporting Compliance XXXX XXXX XXXX flag ( " XB '' code ) in bureau submissions XXXX XXXXXXXX XXXX showing dispute investigationIV. LEGAL ENFORCEABILITYCourt-Ready Documentation Unredacted purchase agreement ( XXXX XXXX XXXX ) Affidavit of debt ownership signed under penalty of perjuryRegulatory Compliance Texas SOS bond certificate ( active as of XX/XX/XXXX ) CFPB-compliant validation notice ( 12 CFR 1006.34 ) Deadline for Compliance : XX/XX/XXXX Certification : Failure to provide ANY item invalidates debt ownership claims under FCRA 1681s-2 ( b ) .Legal References : FDCPA 1692e ( false representations ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX documentation standards ) Texas Finance Code 392.304 ( a ) ( 8 ) ( deceptive practices ) Certification : I declare under penalty of perjury that Resurgents systemic violations invalidate all claims to Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX COMPLIANCE NOTICE : Attach to all credit reports. Unauthorized access = $ XXXX Notice : Nonresponse by XX/XX/XXXX = presumption of liability under XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief