Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with Reg F B-1 Model form was not used upon providing a validation of debt to the consumer, and this negates safe harbor protection to the creditor. My right to dispute a debt within 30 days was not allotted or offered to me. 

Further Finance Code Chapter 392 Debt Collection TEXAS SubChapter C Sec 392.202 Correction of third party debt collectors or credit bureau files. 
Subsections ( b-e ) ( b ) not late more than the 30th day after the date a notice of inaccuracy is received, a third party debt collector shall send written statement. 

Sec 392.202 ( b ) ( 3 ) third party debt collector has not had sufficient time to complete an investigation of inaccuracy. 

That information must be reported to credit reporting agencies an has not, additionally the burden of proof lies within the crediot/collector and reporting credit agency to verify proof of inaccuracy that is alleged/reported. 

As the consumer I have completed my due diligence in the inaccuracy and wish to see the appraisal reports utilized for there confirmation of accuracy. This is my right as a consumer under Regulation B 1002.1 ( B ) in addition to 1002.9 ( a ) ( 2 ) ( i ) ( ii ) a statement for a specific reason for the action taken.

FDCPA, and FTC privacy 1681 is in question of violation when the original creditor XXXX XXXX divulged selling this company 3 times without ever acknowledging notification to the consumer or explaining personal information would be disclosed to new banks for an existing loan, which is also covered under regulation B ECOA. the baking parties included are XXXX. 

Additionally identify theft was reported to the FTC and SSA in 10 or XX/XX/year> with documentation my credit would be on fraud alert for 12 continuous months, which is in violation is credit was established. 

Further CFPB is not providing assistance with my concern/complaint about questionable business acts that are infringing upon consumers rights under FDCPA and FTC, which has led to additional claim opened with BBB for resurgent. 

My previous violations have gone unaddressed from the cfpb as previously indicated without avail and this company, resurgent continues to conduct business with presumptuous tactics that violate consumer rights. Assistance is, again being requested. 
original complaint not resolved by CFCPB.

My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence. FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.

Company response to consumer: Closed with explanation