Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
ESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RE : XXXX Dear Customer Service of RESURGENT CAPITAL SERVICES Because you have not provided a valid contract containing my wet ink signature agreeing to this alleged debt this Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law and I request that you CEASE and DESIST in your efforts to collect on the above-referenced account. It is my personal policy as a private civilian not to deal with collection agencies and I will only deal with the original creditor of this account. You are hereby instructed to cease all collection efforts immediately or face legal sanctions under applicable Federal Debt Collections Practices Act 15 USC 1692 ( c ) and ( k ) and State law. The items must be deleted from my credit files with the four major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX, and XXXX ) within 72 hours, you shall forward a Letter stating it has been removed and will not reappear on the principals credit reports again by you or another collection agency. I will file a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability for {$1000.00} per violation. 
Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only to inform me that you are terminating all efforts to collect or that you are taking specific court legal action. The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the Principal 's credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for.

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute.

2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information.

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title concerning any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES. 
In Good Faith THIS IS AN ATTEMPT TO BRING AN ACTION IN COURT, ANYTHING WRITTEN OR SAID WILL BE USED AGAINST YOU

Company response to consumer: Closed with non-monetary relief