Is Resurgent Secured Assets LLC on Your Credit Report?
Short answer: Resurgent Secured Assets LLC (Resurgent Secured Assets LLC) is a real, legitimate debt buyer based in Greenville, SC. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Resurgent Secured Assets LLC?
Resurgent Secured Assets LLC is a debt buyer that purchases and collects charged-off consumer accounts, headquartered in Greenville, SC. It is licensed to operate as a debt collection agency in New York City under license number 2119928-DCWP, a public record maintained by the New York City Department of Consumer and Worker Protection (DCWP).
You may also see this company on your report or in letters as: Resurgent Secured Assets LLC.
What most people don't know about Resurgent Secured Assets LLC:
Resurgent Secured Assets LLC holds an active New York City debt-collection license (No. 2119928-DCWP) on file with the New York City Department of Consumer and Worker Protection (DCWP), listing its address of record in Greenville, SC. That license status is a verifiable starting point: if a caller claims to represent Resurgent Secured Assets LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Why Is Resurgent Secured Assets LLC on My Credit Report?
Resurgent Secured Assets LLC typically collects charged-off consumer accounts. A collection like this usually lands on your report because:
- ✅ An original account (a charged-off consumer accounts, for example) went unpaid and was charged off.
- ✅ The account was sold to Resurgent Secured Assets LLC, which now owns the debt and is trying to collect the full balance.
- ✅ Resurgent Secured Assets LLC furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Resurgent Secured Assets LLC Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Resurgent Secured Assets LLC a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Resurgent Secured Assets LLC tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Resurgent Secured Assets LLC stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Resurgent Secured Assets LLC can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Resurgent Secured Assets LLC from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Resurgent Secured Assets LLC
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Resurgent Secured Assets LLC entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Resurgent Secured Assets LLC — Frequently Asked Questions
Is Resurgent Secured Assets LLC a scam or a legitimate company?
Resurgent Secured Assets LLC is a real, registered debt buyer headquartered in Greenville, SC. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Resurgent Secured Assets LLC, so always demand written validation before paying anything.
Why is Resurgent Secured Assets LLC on my credit report?
Resurgent Secured Assets LLC is a debt buyer that purchases and collects charged-off consumer accounts, headquartered in Greenville, SC. It is licensed to operate as a debt collection agency in New York City under license number 2119928-DCWP, a public record maintained by the New York City Department of Consumer and Worker Protection (DCWP). It most commonly collects charged-off consumer accounts. It likely appeared after an original account went unpaid and was sold to them. Resurgent Secured Assets LLC holds an active New York City debt-collection license (No. 2119928-DCWP) on file with the New York City Department of Consumer and Worker Protection (DCWP), listing its address of record in Greenville, SC. That license status is a verifiable starting point: if a caller claims to represent Resurgent Secured Assets LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Can Resurgent Secured Assets LLC be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Resurgent Secured Assets LLC collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Resurgent Secured Assets LLC cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Resurgent Secured Assets LLC or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Resurgent Secured Assets LLC.
How long can Resurgent Secured Assets LLC report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Resurgent Secured Assets LLC acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Resurgent Secured Assets LLC sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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