Consumer complaint received 2023-07-15
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After reviewing my credit files with the credit bureaus, there was some inaccurate information being reported against me. I believe that I am a victim of identity theft because the account ( # XXXX ) with XXXX XXXX Bank which is now in collections and sold to LVNV Funding LLC ( reference # XXXX ) is not associated with and does NOT belong to me. 
My full legal name is XXXX XXXX XXXX. I have gone by XXXX XXXX XXXX or just XXXX XXXX. Those are the only names Ive used when applying for credit or in my personal life. My current address is : XXXX XXXX XXXX XXXX  XXXX MO XXXX and I have been here since XX/XX/XXXX ( XXXX XXXX ) ; previously stayed at a friends house located at XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX ) ; and prior to that my home was XXXX XXXX XXXXXXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX to XXXX ( XXXX ). I filed bankruptcy XX/XX/XXXX and because the home I owned was in foreclosure proceedings, its ownership transferred back to the bank. Again, I moved from this address in XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. To establish validity and a clear timeline of events, in XXXX when this account was opened and credit extended/ granted, I was not living at XXXX XXXX XXXX XXXX. It has now been 7 years since that was my home. The places Ive resided at can be verified several ways thru address changes at XXXX, voter registrations, personal property assessments, tax returns filed and employment verifications. My primary and only phone is cellular ; the number is XXXX. My state ID was renewed and issued XX/XX/XXXX. I am including copies of my drivers license, assessment department address change completed in XXXX as well as XXXX personal property tax receipt proving current address. I began working at XXXX XXXX as a customer service representative XX/XX/XXXX and am enclosing a photocopy of my employee ID to corroborate my current employment as well as my hiring/ training correspondence including travel confirmation round trip with return XX/XX/XXXX. XXXX was XXXX weeks in XXXX XXXX TX. 
The above referenced account was opened while I was out of state. There is no XXXX XXXX Bank in Kansas XXXX. The account does not belong to me and I never opened or applied for credit with XXXX XXXX Bank, LVNV Funding LLC, or XXXX XXXX XXXX. The debt is not mine/ does not belong to me. I NEVER benefited or received any merchandise, products, or items including lines of credit, loans, or finances and NEVER signed for or accepted any goods or services since I did not conduct business with these companies. Please supply the address where the purchases took place or where items/ products were shipped to? Where was the credit card mailed to because I never received or used it? Arent creditors supposed to verify income and job and position/ title? What employment and salary information was given including home address and phone number at time of application when this fraudulent account was opened and credit was extended/ granted? Was there a photo id or signature verification provided? Was it done in-store/ in-person or online? What email was given? How are applicants qualified/certified and credit decisions confirmed/ substantiated? Id like some answers. 
I will be in contact with the Consumer Financial Protection Bureau and have submitted an Identity Theft Report through the Federal Trade Commission ( FTC Report Number XXXX ). 
I am disputing the FULL account in its entirety. I request that you prove this debt is mine or PLEASE delete/ remove this from my credit report/file immediately. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation