Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

Re : Debt Validation Demand under 15 U.S.C. 1692g ( b ), U.C.C. 3-501, and other controlling law To Whom It May Concern, This correspondence serves as a formal notice of dispute and demand for strict validation of an alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692g ( b ), and related commercial and consumer laws.

You are hereby notified that I do not acknowledge, admit, or accept the validity, ownership, or obligation of the alleged debt referenced above. I am invoking my rights to full debt validation, and I am requesting that all collection activities cease until such validation is provided in compliance with federal law. 

LEGAL DEMAND FOR DEBT VALIDATION Pursuant to : 15 U.S.C. 1692g ( b ) You are required to cease collection efforts until full validation is provided.

15 U.S.C. 1692e It is a violation to make any false, deceptive, or misleading representation regarding the debt.

U.C.C. 3-501 ( b ) ( 2 ) I demand presentment of the original instrument, including proof of claim, standing, and liability.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) You must report only accurate information to any credit reporting agency.

12 U.S.C. 5531 & 5536 Under the Consumer Financial Protection Act, you are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ).

YOU MUST PROVIDE : 1. A copy of the original instrument of indebtedness bearing my wet-ink signature ( not a digital copy or account summary ) ; 2. The full chain of title and legal assignment from the original creditor to your agency ( authenticated under Fed. R. Evid. 902 ) ; 3. Proof of your license to collect debt in my state ; 4. A complete accounting of all alleged charges, fees, and interest ; 5. Verification under penalty of perjury from a competent fact witness affirming the alleged debt is valid and enforceable ; XXXX. A copy of your bond and registration with the Secretary of State for the relevant jurisdiction ; 7. If reported to credit bureaus, a full accounting under 15 U.S.C. 1681i, showing accuracy and permissible purpose. 



CASE LAW SUPPORTING THIS DEMAND : Chauncey v. JDR Recovery Corp., 118 F.3d 516 ( 7th Cir. 1997 ) Debt collector must cease collection until validation is provided.

Clark v. Capital Credit & Collection Servs., 460 F.3d 1162 ( 9th Cir. 2006 ) Failure to validate debt before continuing collection is a violation of FDCPA.

Graziano v. Harrison, 950 F.2d 107 ( 3d Cir. 1991 ) Debt validation must be meaningful and substantive, not perfunctory. Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. 2004 ) Collectors must itemize debt clearly and accurately.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Validation must include the original signed agreement or comprehensive evidence of debt ownership. 


Failure to comply with the above within 30 days from your receipt of this letter will be construed as a waiver of claim, abandonment of collection rights, and consent to remove all references to this alleged debt from any consumer reporting agency. 

Additionally, any further attempts to collect without proper validation will be considered willful violations of 15 U.S.C. 1692k, opening your entity to statutory damages, injunctive relief, and possible binding arbitration or federal complaint under CFPB jurisdiction. 

You are hereby instructed to communicate in writing only and to retain this letter as official notice under all applicable statutes, including the FDCPA, UCC, and FCRA. 

Without prejudice, XXXX All Rights Reserved UCC 1-308, UCC 1-103

Company response to consumer: Closed with non-monetary relief