Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Re : Dispute of Debt and Violations of Consumer Protection Laws Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute the debt referenced in your correspondence dated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. This dispute is based on my assertion that your actions in this case violate several provisions of federal law, including : 1. 12 CFR 1006.34 ( b ) ( 5 ) This regulation prohibits debt collectors from using unfair or deceptive means when communicating with a consumer. Specifically, I believe your agency may have engaged in conduct that constitutes harassment or misrepresentation regarding the nature or amount of the debt, which is not in compliance with the Consumer Financial Protection Bureau ( CFPB ) rules.

2. 12 CFR 1006.34 ( c ) ( 4 ) Under this section, debt collectors must ensure that they do not make misleading or false representations regarding the amount, status, or ownership of a debt. I believe your communications regarding the debt in question may have violated this rule by providing incorrect or deceptive information.

3. 12 CFR 1006.34 ( d ) This provision requires that debt collectors must make reasonable efforts to ensure that they do not violate the rights of the consumer by continuing collection efforts under circumstances where the debt has been disputed or where the consumer has requested clarification. I assert that your agency has failed to respect my rights by failing to properly acknowledge or respond to my dispute, continuing actions without verifying the debts accuracy.

4. 15 USC 1681s-2 ( 7 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are prohibited from reporting inaccurate or incomplete information to credit reporting agencies. I believe that the account in question, if reported to a credit bureau, may be inaccurately listed, violating my rights under the FCRA.

As such, I respectfully request that you cease and desist all collection activities on this account until you can provide me with proof of the debts validity and compliance with the applicable regulations outlined above. Specifically, please provide the following : A detailed breakdown of the debt, including original creditor information, account numbers, and the date the debt was incurred.

Documentation of your right to collect this debt.

Evidence that the debt has been reported accurately to credit reporting agencies ( if applicable ).

A written confirmation that you have complied with the applicable provisions of the law regarding debt collection practices.

If your agency fails to provide sufficient proof or continues to violate my rights, I will take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities.

Please send all correspondence regarding this matter to the address listed above. I appreciate your immediate attention to this issue and expect a resolution within the required timeframes specified by law.

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief