Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report in relation to the following account. I believe this account contains errors and violates both the XXXX XXXX requirements and the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX # # # Specific Issues and Violations : 1.Incorrect Status and Date Discrepancy : - The account is listed as a " Collection account '' with a past due amount of {$490.00} as of XX/XX/XXXX. However, the " Date Opened '' is listed as XX/XX/XXXX, and the " Status Updated '' date is XX/XX/XXXX. This inconsistency violates the XXXX XXXX, which requires accurate and consistent reporting of dates and statuses. 
Under the FCRA ( 15 U.S.C. 1681c-2 ), furnishers must provide complete and accurate information. This discrepancy suggests inaccurate reporting. 

2.Balance and Past Due Amount - The balance and past due amount are both listed as {$490.00}, but there is no clear explanation of how this amount was calculated or why it is past due. This violates the XXXX XXXX Format, which requires detailed and accurate reporting of balances and payment history. 
The **FCRA ( 15 U.S.C. 1681s-2 ) requires furnishers to investigate and correct inaccurate information upon receiving a dispute. The lack of clarity here suggests a failure to comply with this requirement. 

3. Terms and Payment History : - The terms are listed as " 1 Month, '' which is unusual for a credit account and incorrect. This violates the XXXX XXXX Format, which requires accurate reporting of account terms. 
Additionally, the 24-month payment history is listed as " Data Unavailable, '' which violates the XXXX XXXX Format requirement to report a complete payment history. 
4. Paid Off Status : - The account is listed as 0 % paid off, but there is no history or explanation provided for this status. This violates the XXXX XXXX Format, which requires accurate reporting of payment statuses. 
5. Failure to Address Dispute : - The report mentions that the account information is disputed by the consumer, but there is no follow-up or resolution noted. This violates the **FCRA ( 15 U.S.C. 1681i ), which requires credit bureaus to investigate and resolve disputes within 30 days. 
Request for Action : I am requesting that the following actions be taken : 1. Conduct a thorough investigation of the disputed items in accordance with the FCRA and XXXX XXXX guidelines. 
2. Provide a detailed explanation of how the balance and past due amount were calculated. 
3. Delete any inaccurate, incomplete, or unverifiable information. 
4. Provide me with a corrected copy of my credit report once the investigation is complete. 
Under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate my dispute within 30 days and provide a written response. Failure to comply with these requirements may result in further legal action.

Company response to consumer: Closed with non-monetary relief