Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2025 To : Resurgent Correspondence XXXX XXXX XXXX XXXXXXXX, SC XXXX Also to : XXXX XXXX XXXX XXXX, SC XXXX Re : XXXX  XXXX XXXX Account # ( XXXX ) for {$1500.00} XXXX XXXX XXXX  Account # ( XXXX ) for {$760.00} XXXX XXXX  Account # ( XXXX ) for {$580.00} XXXX XXXX  Account # ( XXXX ) for {$1300.00} Second Notice of Debt Validation Request To Whom It May Concern : This letter is being sent as a second notice for debt validation. Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. The previous information provided by your agency, based on the Fair Debt Collection Practices Act and the Fair Credit Reporting Act does not meet the requirements for validation on the above-mentioned accounts. 

Based on information obtained from the Consumer Financial and Protection Bureau and Arkansas State Laws you have failed to produce the following that I owe the debt, show your agency has ownership of the debt, and that you have been authorized to collect the debt, and the amount is accurate and reported accurately to any agency particularly credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ) & FCRA, I have the right to request validation of the debt you are claiming I owe. I am hereby exercising my right and demanding that you provide me with the following documentation : 1. Verification or copy of any judgment ; 2. Copy of the original signed contract or agreement that created the debt with my signature ; 3. Assignment of Contract 4. Proof that your agency owns the debt.

5. Documentation showing you are licensed to collect debts in my state ; 6. Documentation proving you are authorized to collect this debt.

7. Proof that the statute of limitations has not expired on this debt ; 8. Validation that you have reported this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

9. The chain of title your agency has to collect on the debt.

10. Any insurance claim found on the debt Please provide all 10 items, or corresponding documents to validate each the 10 items listed. Failure to do so results in your inability to validate this debt.

Pursuant to 15 USC 1692g ( b ), you are required to cease all collection activities until you provide the requested validation. Additionally, under 15 USC 1692c ( c ), I am requesting that you cease all communication with me except for the purposes of : 1. Informing me that collection efforts are being terminated ; 2. Notifying me that you may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. Where applicable, to notify me that you intend to invoke a specified remedy.

If you can not validate this debt, I demand that : 1. All collection efforts cease immediately ; 2. The debt be removed from my credit reports ; 3. A letter be sent to me confirming that the debt has been cleared and collection efforts have ceased.

Any violation of the FDCPA or FCRA will be documented and forwarded to the Federal Trade Commission and the Consumer Financial Protection Bureau. I reserve the right to sue for damages under 15 USC 1692k if violations occur. 

This letter is an attempt to resolve this matter and any information obtained will be used for that purpose. An additional complaint will be filed with the CFPB, and the Credit Bureaus will be notified by certified mail, and via online dispute of the inaccuracies that are being reported to my credit reports, and the hardship it is causing to me personally, professionally, and financially. 

I expect a response within 30 days of your receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation