Consumer complaint received 2023-03-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I would like to speak with you today about an issue that has been causing me great concern. As you are aware, there is a collection account that has been reported on my credit report, and it has been causing significant damage to my credit score. However, I want to bring to your attention that this collection is not mine in the first place. 

I have been informed that this collection is related to a debt that was incurred by someone else, and it was mistakenly reported under my name. I have been working diligently to have this issue resolved, but unfortunately, it seems that my efforts have been unsuccessful so far. 

I am requesting that this collection agency remove this account from my credit report immediately. It is unfair and unjust for me to suffer the consequences of someone else 's mistake. I have been diligent in managing my finances and maintaining a good credit score, and this collection account is tarnishing my reputation unfairly. 

I understand that the collection agency 's role is to collect debts, but it is also their responsibility to ensure that they are doing so accurately and ethically. I am requesting that they take immediate action to remove this account from my credit report, and I am willing to work with them to provide any necessary documentation or evidence to support my claim. 

I appreciate your attention to this matter and hope that we can work together to resolve this issue as soon as possible To provide further context, I have been dealing with this collection agency for some time now regarding a debt that was originally reported on my credit report. After disputing the debt and providing evidence that it was not mine, the collection agency agreed to remove it from my credit report. 

However, I was shocked to discover that the same debt was re-added to my credit report shortly after the collection agency had removed it. Despite my repeated attempts to contact the collection agency and resolve the issue, they have continued to ignore my requests and add the debt back to my credit report. 

Moreover, the collection agency has been harassing me with incorrect amounts, and they have threatened to take legal action against me if I don't pay up. I have asked them to provide me with all necessary paperwork and proof of the debt, but they have failed to do so. 

In addition, the collection agency has been calling my family members, causing distress and discomfort to them as well. This behavior is unacceptable, and it is clear that the collection agency is not following the guidelines set forth in the Fair Debt Collection Practices Act. 

Therefore, I request that the collection agency takes immediate action to remove this debt from my credit report, provide me with all necessary paperwork and evidence related to the debt, and cease all harassing and threatening behavior. I hope that this issue can be resolved quickly and amicably. Thank you.

Company response to consumer: Closed with explanation