Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recieved a copy of my credit report and found inaccurate information that is being reported. I have reached out to Resurgent multiple times, and they refuse to provide proof of an accurate document. To Whom It May Concern, I am writing in response to your letter dated XX/XX/XXXX, regarding my dispute of the above-referenced tradeline on my credit report. Your letter fails to provide any legally sufficient verification of the debt, and in fact confirms numerous Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations : 1. No Proof of Chain of Title or Contractual Obligation o You state the Account charged off on XX/XX/XXXX and that Resurgent acquired all ownership rights on XX/XX/XXXX. However, you have not provided a copy of the original credit agreement between me and XXXX XXXXXXXX XXXX XXXX, nor any assignment documentation from XXXX XXXX XXXX to LVNV Funding LLC to Resurgent. 
o Violation : Failure to furnish copies of the written contract or chain of assignment violates FDCPA 1692g ( b ), which requires you to provide verification of the debt or a copy of a judgment upon my request.

2. No Itemized Transaction or Payment History o Your enclosure of generic billing statements does not constitute full validation. You have not provided a month-by-month payment history showing dates and amounts of all payments, fees, or interest charged. 
o Violation : Under FCRA 1681s-2 ( b ), furnishers must investigate all relevant information provided by the consumer and correct or delete inaccurate information. Simply re-reporting old data without investigating my detailed account history is inadequate.

3. Misclassification and Incomplete Reporting o The account is reported as a Charge-Off without any supporting documentation or explanation of how it was calculated. The statements you provided do not reconcile to the balance of {$1200.00} as of charge-off.

o Violation : FCRA 1681e ( b ) requires that maximum possible accuracy be maintained. Reporting a balance that can not be substantiated violates your duty to report accurate information. 
4. Failure to Conduct a Meaningful Reinvestigation o You simply referred me back to the credit bureaus and stated that identical information is furnished to each bureau. That is not a reinvestigationit is a refusal to investigate.

o Violation : FCRA 1681i ( a ) ( 1 ) obligates credit bureaus to conduct a prompt reinvestigation after receiving notice of dispute, and FCRA 1681s-2 ( b ) obligates furnishers to review all relevant information provided by the consumer and correct or delete inaccurate data.

Requested ActionsDelete or Validate with Documentation Pursuant to my rights under the FCRA and FDCPA, I hereby demand that Resurgent immediately : 1. Delete this tradeline from my credit report with all three nationwide credit bureaus. 
2. If you claim continued reporting, provide within 30 days : o A complete copy of the original signed credit agreement showing my signature.

o All assignment or sale documents evidencing chain of ownership from XXXX XXXXXXXX XXXX  to LVNV Funding LLC to Resurgent Capital Services. 
o A full, itemized payment history and ledger showing every payment, fee, and interest calculation. 
o Documentation reconciling the {$1200.00} balance at charge-off.

If you can not supply the above within 30 days, you must delete the tradeline entirely under F

CRA 1681i ( a ), 1681s-2 ( b ), and FDCPA 1692g ( b ). Failure to comply will leave me no choice but to pursue all available remedies, including statutory damages of {$100.00} {$1000.00} per violation under FCRA 1681n, actual damages, and attorneys fees. Please send your written response to my address above. I expect confirmation that you have deleted the tradeline or provided the requested documentation
within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation