Consumer complaint received 2022-03-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was deleted in result of identity theft. It was originally deleted off my consumer file on XX/XX/XXXX. Now almost seven months later has showed up as collection on my file without consent. It appears XXXX XXXX XXXX  is the original creditor. XXXX  XXXX XXXX has committed aggravated identity theft according to 18 usc 1028a willful and knowingly by selling my personal information to LVNV FUNNDING LLC and Resurgent Capital Service ( DEBT COLLECTOR ) allowing both companies to profit and recharge a fraudalent debt to my social security. XXXX XXXXXXXX XXXX  has sold my Social security number, phone number, address and name to these companies without my consent. Resurgent Capital Services has failed to valid the debt properly as i have never received any certified mail asking to for me to validate this debt. This debt should not be reporting because i did not give permission or written consent for these companies to be reporting on my file at at according to 15 usc 6802a & b. Also, according to 15 usc 1681a these companies has failed to do a proper validation of debt by not doing an proper investigation by not obtaining information through my friends, neighbors or associates according to the fcra. also, 18 usc 8 Obligation or other security of the united states, if there is any such debt please contact the united states. As theyre the owns who are obligated to pay consumers debt since this account was fraud and charged to me. This holds a negative financial burden on I, consumer, natural person. This is preventing me from obtaining my own credit for things that i need to sustain the cost of living. I can not get approved for a line of credit because this negative impact on my file. 
I, XXXX XXXX, Consumers, original creditor have received a notice on my credit file of a debt collection account. My credit file is reporting false and misleading information on my file. Without proper notice and certification through mail to ensure that I received this potential debt to respond to. Also, my fie is showing the original creditor as XXXX XXXX XXXX. This false and misleading information according to 15 US Code 1692a ( 4 ) The Term creditor means person who offers or extends credit creating a debt ... XXXX XXXX XXXX is falsely furnishing information onto my file. Representing themselves as the original creditor. 
Continuing Looking over this debt collection account and speaking with supervisor XXXX XXXX In the Internal Recovery Department She has made me aware of an balance of {$910.00} and on my file it is showing an amount of {$910.00} even on XX/XX/XXXX at XXXX on a phone call. Since debts are showing different amounts between credit file and Resurgent Capital Services and creditor status they also have furnished the account was opened on XX/XX/XXXX, when I contacted the company to see when this account was opened is was told XX/XX/XXXX the information furnished onto my credit report is False and /misleading. 
Please delete this from all CRAs and my consumer credit file without recourse.

Company response to consumer: Closed with explanation