Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The following is a letter I sent to resurgent capital services Subject : Immediate Demand for Debt Validation, Cease Illegal Reporting, and End to Phone Harassment Reference # XXXX ( Account # Ending in XXXX ) and # XXXX ( Account # Ending in XXXX ) I demand immediate, comprehensive, and legally sufficient validation for Reference # XXXX ( account ending in XXXX ) and Reference # XXXX ( account ending in XXXX ), both originally with XXXX XXXX XXXX XXXX. under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Your ongoing failure to provide adequate documentation, illegal reporting to credit bureaus, and persistent phone harassment violate my rights under federal law. This conduct must cease immediately.

Your documentation and actions are inadequate and further compound your violations : -Reference # XXXX, Account # Ending in XXXX ( {$910.00} ) : Account Summary Report ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) list a balance of {$910.00} ( {$1400.00} reduced ) with a charge-off date of XX/XX/XXXX and acquisition by Resurgent Receivables LLC XXXX XX/XX/XXXX XXXX 
No signed agreement proves my liability. 
No chain of assignment verifies your authority. 
No detailed transaction history from XX/XX/XXXX ( origination ) to XX/XX/XXXX ( charge-off ) explains the balance reduction ( {$39.00} ) and accrued fees ( {$18.00} ). 
Youre illegally reporting this unvalidated debt to credit bureaus, damaging my credit. 

-Reference # XXXX, Account # Ending in XXXX ( {$1400.00} ) : Your Account Summary Report ( XX/XX/XXXX ) lists a {$1400.00} balance with a charge-off date of XX/XX/XXXX and acquisition on XX/XX/XXXX. 
No signed agreement or contract ties me to this account. 
No assignment documentation confirms your ownership. 
No transaction history or evidence justifies the balance. 
Youre illegally reporting this unvalidated debt. 

Your XX/XX/XXXX dispute response for # XXXX admitted the info doesnt support your claim, yet you havent corrected it. You havent even responded for # XXXX. This is your legal obligation under the FDCPA, and your inaction is unacceptable. Youre also reporting both debts to credit bureaus despite my dispute, violating FDCPA Section 1692g ( b ) and Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( b ).

Demand full validation and compliance. 

I demand comprehensive documentation for both accounts by XX/XX/XXXX, as per your XX/XX/XXXX notice : Original Signed Agreements : Copies of signed credit applications or contracts proving my liability for each account. 
Complete Assignment Records : Chain-of-title documents showing the legal transfer from XXXX XXXX XXXX XXXX XXXX to Resurgent Receivables LLC. 
Detailed Transaction Histories : Records of all charges, payments, fees, interest, and adjustments from origination to charge-off, with clear explanations of balance adjustments. 

Also, immediately : Cease reporting these unvalidated debts to credit bureaus and correct any existing reports. 
Provide written confirmation of their removal from my credit reports. 

Youve repeatedly called me despite my request to cease all phone communications, violating FDCPA Section 805 ( c ) and 15 U.S.C. 1692c ( c ). This harassment must stop. Under the FDCPA, you must halt all collection activities until you provide full validation. Your unauthorized reporting of unvalidated debts further violates the law.

Consequences of non-compliance will be severe.

Failure to deliver complete validation and compliance by XX/XX/XXXX, or any continuation of phone calls, letters, or credit reporting will be treated as willful violations. Ill file complaints with the CFPB and Texas Attorney General, pursue legal action for statutory damages, actual damages, and attorney fees, and demand debt removal and compensation for financial harm. 

All future correspondence must be in writing. This is your final warning. Comply or face consequences. 

Sincerely, XXXX XXXX this was the second notification for the company to verify and validate the information to which they proved nothing.

Company response to consumer: Closed with explanation