Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Re : Formal Demand for Method of Verification Account Number : Account ending in XXXX & XXXX To Whom It May Concern, This letter serves as a formal demand for the method of verification you claim to have used in confirming the above-referenced alleged debt. Your prior assertion that this debt has been verified is insufficient and does not satisfy the requirements of the Fair Debt Collection Practices Act, 15 U.S.C. 1692.

You are hereby required to provide competent evidence supporting your claim, including but not limited to : The full name and address of the original creditor A complete payment history and itemized breakdown of the amount you allege is owed Copies of any contracts, applications, or agreements bearing my signature that establish my legal obligation Proof of your legal authority to collect this debt, including the chain of assignment or sale as requested in the previous letter sent that was not validated A detailed explanation of the exact method of verification you relied upon to confirm the accuracy of this account Be advised that reporting or continuing to report this alleged debt to any credit reporting agency without providing the above documentation constitutes willful noncompliance with federal law and may expose your organization to civil liability. 

Until you fully comply with this demand, you are instructed to cease all collection activity immediately, including telephone calls, written correspondence, and credit reporting. 

Failure to respond appropriately will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the State Attorney General, as well as seeking legal counsel. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Funding, XXXX XXXX XXXX XXXX XXXX, SC XXXX Ref ID : XXXX Dear XXXX Funding, XXXX I am writing in response to your letter, because I do not believe I owe what you say I owe. In response to your latest correspondence, the XXXX below requests HAVE NOT been satisfied. You have not show you are lisenced for the state of Texas nor are authorized to collect the suggested debt. Again, you must prove the below according to federal law. 

This notice is not a refusal to pay but rather constitutes our Demand to XXXX and XXXX XXXX Activities prior to Validation of this purported debt. 

( a ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( b ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name ad address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : ( XXXX ) The amount of the debt ; ( XXXX ) The name of the creditor to whom the debt is owed ; ( XXXX ) Provide a verification or copy of any judgment ; ( XXXX ) Proof that you are licensed to collect debts in Texas ( XXXX ) The agreement which authorizes you to collect on the assumed debt. 
( XXXX ) The signed agreement from the debtor confirming to pay the debt. 
( XXXX ) The documents regarding the payments made on this account and validation of the amount. 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law. 
You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 

I have disputed this debt ; therefore, until you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Debt Collection Practices Act, 15 USC 1692g and the Freedom of Information Act 5 USCA 552, applicable portions of the Truth in Lending ( Regulation Z ), 12 CFR 226 Contract Disclosure and UCC1-308, 3-603, 9-311. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Non-Compliance with validation of the debt within the statue of limitations will result with an Administrative and / or Judicial Judgment against you pursuant to the Federal Civil Procedure Rule XXXX. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. I request that all correspondence about this Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX will be in writing, which no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS Form 3811. 

It would be advisable that you assure your records are in order before I am forced to take legal action. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief