Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
Date : XX/XX/year> To : Resurgent Capital Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX | CFPB Case # XXXX | Current Owner : LVNV Funding LLC -- - Dispute and Rebuttal to Company Response Demand for Deletion To Whom It May Concern, This letter is in response to your reply to my inquiry filed via the CFPB regarding the above-referenced account. After reviewing your response, I must formally dispute the continued reporting and collection of this account based on the following legal violations : -- - 1. Violation of 15 U.S.C. 1692g ( FDCPA ) Improper Validation You claim my XX/XX/year> inquiry was the first request for verification, and you provided a generic summary of the account. However, under FDCPA Section 809 ( 15 U.S.C. 1692g ), you are required to provide detailed verification, including : The name of the original creditor Itemized breakdown of the debt Copy of the original signed contract or agreement bearing my signature What you sent does not satisfy proper validation, and therefore you must cease all collection activity and remove this account from all credit bureaus until proper validation is provided.

-- - 2. Violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ) Inaccurate Reporting You continue to report this account with the status Open, which is inaccurate and misleading, especially since the debt has been charged off. Per FCRA requirements, any reporting to consumer reporting agencies must be complete and accurate.

The use of the Open term falsely implies an active, revolving account.

No payments have been made since charge-off.

It is misleading and harms my credit profile.

This constitutes a violation of FCRA 15 U.S.C. 1681s-2 ( b ).

-- - 3. Reporting a Charged-Off Account Monthly is a Violation If this debt has been charged off and reported to the IRS as a profit and loss write-off, you can not continue to report it monthly to the credit bureaus, as it creates the false impression of a revolving or active debt. This can also trigger double jeopardy if a 1099-C form has been or will be issued, violating IRS guidelines and FCRA 15 U.S.C. 1681e ( b ) ( accurate and fair reporting ).

-- - 4. Violation of XXXX XXXX  Guidelines Your reporting violates XXXX XXXX  credit reporting compliance, as you continue to : Report a charged-off debt as open Fail to mark the account as disputed with proper compliance codes Omit key data elements like the actual date of delinquency Per XXXX XXXX and FCRA regulations , this is grounds for removal if the data is incomplete, outdated, or unverifiable.

-- - DEMAND FOR IMMEDIATE ACTION Based on the violations listed above, I demand : 1. Immediate deletion of this account from XXXX, XXXX, and XXXX  2. Cessation of all collection efforts until proper and lawful validation is provided 3. Written confirmation of removal within 15 days Failure to comply will result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Better Business Bureau ( BBB ) -- - Sincerely, XXXX XXXX XXXX Consumer, not debtor

Company response to consumer: Closed with explanation