Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against XXXX  Concerning Inaccurate Credit Reporting Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate and Unverified Debt Reporting Account No. XXXX Dear CFPB, I am submitting this complaint against XXXX  for reporting and maintaining inaccurate, unverified, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically : 1. The alleged debt appearing under account number XXXX is not owed by me. I dispute its validity. 2. XXXX  has failed to provide proper validation of this debt as required under FDCPA 809 ( 15 U.S.C. 1692g ). 3. I requested verification of whether there were any insurance claims or tax write-offs associated with this account. No such documentation has been provided. 4. XXXX  continues to report this account without providing me the legally required evidence of its accuracy. This violates FCRA 611 ( 15 U.S.C.

1681i ), which requires consumer reporting agencies to conduct a reasonable investigation of disputed information within 30 days. I am requesting the CFPBs assistance in ensuring that XXXX  : - Immediately investigates this matter in compliance with federal law. - Provides full documentation validating the alleged debt, including any assignment history, original signed agreements, insurance claims, or tax write-offs. - Removes the disputed and unverifiable account from my credit file if validation can not be produced. I have attached supporting correspondence that I previously sent to XXXX  requesting validation. Thank you for your attention to this matter. Please keep me updated on the progress of my complaint. Sincerely, XXXX XXXX Attachment : Dispute Statement XXXX  Account No. XXXX I, XXXX XXXX XXXX previously submitted a written dispute and validation request to XXXX  regarding the account listed as XXXX on my credit report. In that letter, I specifically requested : - Validation of the alleged debt, including the original signed agreement. - Documentation showing whether the account has been subject to any insurance claims or tax write-offs. - Compliance with FCRA 611 ( 15 U.S.C. 1681i ) and FDCPA 809 ( 15 U.S.C. 1692g ). Despite my request, XXXX  has not provided any validation or documentation. Instead, they continue to report this account, which I do not owe. Because XXXX  failed to verify the accuracy of this debt or provide the information I requested, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter. 
Requested Action : I respectfully request that the CFPB ensure XXXX  either : 1. Provides proper validation of the alleged debt, or 2. Removes the disputed and unverifiable account from my credit file. 
Signed, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief