Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally request validation of an alleged debt that your company claims I owe. I am aware that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request the following information regarding this purported debt : 1. A complete validation of the debt, including the total amount owed, the name of the original creditor, and a detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between Resurgent Receivables LLC and the original creditor that grants your company authority to collect on this debt. 

Additionally, I would like to express my concerns regarding the reporting of this account as a charge-off on my consumer report and the assertion of late payments associated with it. The reported status is misleading as an account categorized as charged off should not reflect late payments. Your failure to provide the required disclosures under 12 CFR 1006.34 ( d ) further suggests non-compliance with the law as per 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which mandates accurate reporting to consumer agencies. 

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), any incomplete or inaccurate data provided to credit reporting agencies constitutes a violation of consumer rights. Your failure to validate this debt as requested compounds these violations. 

In light of these points, please consider this a formal notice and demand for compliance with the legal requirements. I expect to receive all requested documentation by within 10 days If you fail to provide the requested validation and documentation, I will be forced to assume that you do not possess the legal right to collect this alleged debt. Please note that my next correspondence may be a Letter of Intent to Sue ( XXXX ) due to your inability to meet my requests and comply with applicable laws. 

Should I need to escalate this matter further, I am prepared to pursue all available remedies which may include legal action for any violations of consumer protection laws, seeking remedies as outlined in the FDCPA and Fair Credit Reporting Act ( FCRA ). 






LVNVFUNDG XXXX XXXX XXXX Account XXXX XXXXXXXX High Balance {$16000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$16000.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account disputed Creditor Type Factoring Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Consumer disputes this account information Collection account Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$16000.00} Account Type Collection Payment Frequency Credit Limit {$0.00} LVNV FUNDING XXXX XXXX XXXX Account XXXX XXXXXXXX High Balance {$16000.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$16000.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Other Collection Agencies Account Status Open Payment Status Collection/Chargeoff Creditor Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor XXXX XXXX XXXX XXXXXXXX Payment Amount -- Last Payment -- Term Length -- Past Due Amount -- Account Type -- Payment Frequency -- Credit Limit --

Company response to consumer: Closed with explanation