Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX XXXX XXXX XXXX sent me the consumer [ XXXX XXXX ] a letter about an alleged debt. After looking into the alleged debt in XXXX XXXX for the account # XXXX I found that I had disputed this same alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, XXXX XXXX XXXX is being deceptive with the account number using one variation of the alleged account number in the credit reporting agency XXXX XXXX and another variation of the alleged account on their letters to hide liability of furnishing my information unlawfully. 
On XX/XX/2023 I responded with a letter tracking number # XXXX XXXX XXXX XXXX XXXX XXXX. In my letter ( document ) I send them a Cease & Desist which they violated on XXXX XXXX pursuant to 15 USC 1692 c ( c ). I stated in my Notice that they were in violation of 15 U.S. Code 1692e ( A ) ( 8 ) ( 10 ) - False or misleading representations attempting to collect an alleged debt when this was already disputed from 2 other collectors and shifting liability for Identity theft of my information. 
I found XXXX XXXX XXXX furnishing information about me [ XXXX XXXX ] in XXXX XXXX without having Permissible purpose pursuant to 15 U.S. Code 1681b ( C ) ( 3 ) - Permissible purposes of consumer reports, ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Furthermore I made a claim in my Notice that XXXX XXXX XXXX is in violation of 15 U.S. Code 1681 q - Obtaining information under false pretenses Making them also in violation of 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I specifically stated in my Notice that 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) YOU ARE PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which you XXXX XXXX XXXX will be liable if you continue to furnish my public information further without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) ( - Permissible purposes of consumer reports. 
I also said in my Notice that I demand you CEASE AND DESIST from XXXX XXXX XXXX, the reporting of this information and All communication immediately pursuant to 15 USC 1692c ( c ). 
The Consumer [ XXXX XXXX ] refuses to pay any alleged debt pursuant to 15 USC 1692c ( c ) that you feel you're entitled to. 
Their response on XXXX XXXX XXXX XXXX XXXX sent me 2 letters. One letter denied all claims made by me, especially regarding identity theft. In the second letter they send me a payment plan to pay the alleged debt without sending me lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts. 
I want to report XXXX XXXX XXXX for violating my consumer rights under the FDCPA and the FCRA and Identity Theft for unlawfully furnishing my information to XXXX XXXX. 
Any question please do not hesitate to contact me at my personal email XXXX XXXX

Company response to consumer: Closed with explanation