Consumer complaint received 2023-11-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the following timeline : XX/XX/XXXX : I received a letter from Resurgent in response to my dispute with XXXX which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit 1 ). This was completed and sent back to Resurgent. Resurgent required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that Resurgent submitted to XXXX regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit 2 ). 

XX/XX/XXXX : I received a letter from Resurgent advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from Resurgent stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to Resurgent stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit 4 ). 

XX/XX/XXXX : I received four letters from Resurgent. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with XXXX in which a response was given by Resurgent that the reporting was valid. In response, I submitted to Resurgent a request for Debt Verification in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. Resurgent did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from Resurgent regarding what was done with that document. The last correspondence that I received from Resurgent was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX

Company response to consumer: Closed with explanation