Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
I am writing to formally dispute the information related to the account listed below on my credit report and to address the unlawful practices I believe are being applied by your company. This dispute is being made under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that you thoroughly investigate and correct the following inaccurate information on my credit report, and ensure you are in full compliance with all applicable consumer protection laws. 

LVNV Funding : account number XXXX XXXX XXXX XXXX : account number XXXXXXXX XXXX XXXX XXXX  : account number XXXXXXXX XXXX : account number XXXX Failure to Provide Proof of Debt/Proper Verification ( FDCPA Violation ) : Under the FDCPA, debt collectors are required to provide verification of the debt upon request. Despite my previous requests, your company has failed to provide sufficient documentation to verify the legitimacy of the debts associated with these accounts. Specifically, I have not received valid proof of the debt, nor a breakdown of the original creditor, amount, and payment history. This is a violation of the FDCPA and my rights as a consumer. 
Failure to Report Accurate Information ( FCRA Violation ) : Under the FCRA, you are required to report accurate information to the credit bureaus and ensure that any disputes regarding inaccuracies are resolved in a timely manner. The information being reported regarding these accounts is either inaccurate or unverifiable, and you have failed to properly investigate my previous disputes, leaving incorrect data on my credit report. This failure to act on disputes and ensure accurate reporting is a direct violation of the FCRA. 
Harassment and Unfair Collection Practices ( FDCPA Violation ) : I have documented instances of harassment by phone, excessive calls outside of the allowed time frame, and threats of legal action that are unsubstantiated and false. These practices are in direct violation of the FDCPA, which prohibits debt collectors from using unfair and deceptive practices to collect debts.

Lack of Written Communication Regarding Debt ( FDCPA Violation ) : In addition, I have not received a valid notice of debt that includes the required details such as the amount of the debt, the creditor 's name, and a statement of my rights. Under the FDCPA, debt collectors are required to send a written notice within 5 days of initial contact. Your failure to comply with this requirement is another violation of my consumer rights.

Request for Immediate Action : In light of the above violations, I am requesting the following : Immediate Removal or Correction of Account Information : You are required by law to ensure that the information reported is accurate. If you can not provide sufficient proof of the debt and ensure that the reporting is accurate, this information must be removed from my credit report immediately. 
Written Verification of the Debt : Please provide all relevant documentation proving that the debt is legitimate and belongs to me. This should include the original creditors name, amount owed, and proof of the debts validity. If you can not provide this, I request that the account be deleted from my records.

Cease and Desist from Harassing Practices : Please cease any further harassment via phone calls, emails, or mail. I request that all future communications regarding this matter be in writing only, as allowed under the FDCPA.

Confirmation of Actions Taken : Please provide written confirmation of the actions taken to resolve this dispute, including any updates to my credit report, and the status of my dispute. 
Failure to comply with these requests may result in the following actions : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ).

Filing a complaint with the Federal Trade Commission ( FTC ) for illegal debt collection practices. 
Legal action to ensure compliance with the FDCPA and FCRA. 
I expect this matter to be resolved promptly within the 30-day time frame outlined under the FCRA. If this issue is not resolved or if further violations occur, I will explore all available legal remedies, including litigation.

Thank you for your immediate attention to this matter. Please respond in writing, and provide all requested documentation to support the validity of this debt.

Company response to consumer: Closed with non-monetary relief