Consumer complaint received 2026-01-09 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: SC

Complaint narrative:
CFPB COMPLAINT RESURGENT CAPITAL SERVICES Reference CFPB Case # XXXX Harassment, Illegal Collection Activity, Improper Credit Reporting, Failure to Cease Communication Consumer Information Name : XXXX XXXX Account : Alleged Resurgent Accounts : XXXX and # XXXX Company : Resurgent Capital Services Address : XXXX XXXX XXXX XXXX XXXX XXXX Complaint Category Debt Collection Attempts to collect debt not owed / Harassment / Credit reporting issues What happened? 

Resurgent Capital Services has continued to place telephone calls to me regarding an alleged debt that is disputed and unvalidated. 
Despite disputes and requests for proper validation, Resurgent continues : Placing repeated collection calls Attempting to collect an alleged debt without providing documentation Reporting and/or verifying the account to consumer reporting agencies Refusing to provide competent evidence of the alleged obligation Resurgent previously stated they are not obligated to provide documentation, while simultaneously attempting to collect and furnish information to credit bureaus.

This conduct is unlawful.

Violations Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) Cease Communication Resurgent is required to cease all communications upon notice. Continued calls constitute knowing violations.

15 U.S.C. 1692g ( b ) Validation of Debts Collection must cease until proper validation is provided. No competent evidence has been produced.

15 U.S.C. 1692e False or Misleading Representations Representing an unvalidated debt as legally enforceable is prohibited.

15 U.S.C. 1692f Unfair Collection Practices Attempting to collect without proof of authority or ownership is unlawful.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Once disputed, Resurgent must conduct a reasonable investigation and review all relevant information. Database confirmation alone is not reasonable.

Additional Violations Reporting without permissible purpose Failure to provide chain of title Failure to provide account-level documentation Continued collection while the account is disputed Harassment through repeated phone calls Harm Caused Emotional distress Harassment Credit reputation damage Financial harm from inaccurate reporting What I want I am requesting the CFPB require Resurgent Capital Services XXXX XXXX Immediately cease all phone calls and collection activity Cease furnishing or verifying the alleged account Delete the account from all consumer reporting agencies Provide written confirmation that the account is closed and terminated Correct any inaccurate reporting Supporting Facts The alleged debt has not been validated Resurgent has refused to provide documentation Calls continue despite disputes Resurgent continues to claim authority without proof Permanent deletion of the account from all consumer reporting agencies and permanent cessation of collection activity.

Company response to consumer: Closed with non-monetary relief