Consumer complaint received 2021-02-17
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 result of identity theft

Complaint:
XXXX, To say that you have tried to resolve the issues at hand is a joke. If anything Resurgent has been less than helpful. So let me start this once again. These are the questions that I am not getting answers to. 

Lets begin with XXXX XXXX CACH LLC You have been sending me collection notices for years on three XXXX cards. The debt was never mine, the cards taken out by someone who stole my identity. Your company knew this back in the good old CACH LLC days ; they knew it in XXXX when I wrote to XXXX XXXX and you all have just reconized this for the first time. 

The XXXX card your collectors got so much pleasure calling me a deadbeat mom on as well as calling my neighbors and sharing with my neighbors things that were none of anyones business. And you were way out of line doing this. Now please explain to me why you would be collecting harassing me, calling me, calling neighbors and reporting me throughout the years on the same XXXX XXXX card that was in the courts?? How were you or why were you sending me collection notices on this very same card and reporting me on it?? Do you know the last collections letter I got from Resurgent on the Metric CACH LLC card was this past XX/XX/XXXX. I want to know why?? 

Why were you trying to collect on a XXXX XXXX card CACH LLC when it wasnt yours to collect on?? And explain to me how you can be asking me to pay this debt and the other two XXXX cards for over 20 years?? Do you know what the statute is in California???? And why did you continue to report to all three bureaus on cards I never opened, never used were under identity theft and were never mine. WHY did you continue to screw up my credit??? And if you werent reporting them you were doing hard inquiries WHY???? 

Since having my day in court so to speak I was able to show that while CACH LLC XXXX XXXX was filing bankruptcy Cach knew those XXXX was not mine, he knowingly passed the XXXX XXXX Account onto XXXX XXXX ( which is the same account that Resurgent stalked me about ) and once I showed XXXX XXXX the same thing I showed XXXX XXXX FTC Affidavit and the XXXX report ( it was after she obtained the default judgment ) she closed shop and XXXX XXXX went with all the peeps from XXXX XXXX onto XXXX. So this is a very incestious business. You file bankruptcy and move on and open up a new collection agency.XXXX  XXXX even got a levy for my accounts but knowing she would do this I stayed a step ahead and not a single penny was ever taken from me. 


See attached letter from Resurgent dated XXXX XXXX addition to trying to collect on a 20+ year old credit card you too have asked me to provide the identity theft info from 20 years ago.And its paperwork you were sent starting in XXXX. 

Resurgent was made aware of this starting back in XXXX or XXXX when I wrote to XXXX XXXX sharing that the XXXX cards were not mine. But then like many they just vanish and you never hear from them again. Kind of like you did for a while you just stopped answering my emails, you no longer returned calls. So nice to have you back You try and make me look like an XXXX. The double reporting was done the same year on the same XXXX report they were not from two different years. I know XXXX XXXX liked to think I made up things off the top of my head like her saying there were two fonts being used on something she closed her mouth really quick when that something wasnt from me but from XXXX and it was XXXX who made up paperwork and letters from the bank they made up a letter like it was something i would type and when I called and asked to speak to an attorney on this made up stuff i was hung up on. So what does XXXX try to do?? she reches out to XXXX who called me right away and told me what XXXX was doing. I dont have to make up anything you guys screwed up so badly it's your own paperwork that shows what you have done. 

Now XXXX XXXX ... 

See the attached statements. You are trying to collect on a XXXX XXXX account that is not mine. The card you are collecting ends in XXXX My card ends in XXXX and it arrived to me in XXXX not XXXX. Just look at the statements I have attached ; you can see when my card arrives the numbers change. I have no clue who the owner is of XXXX that is where you should have checked further because I had no card in XXXX. The places this person used their card is in another city. I also have no pets so pet stores are not where I go to hang out. I have explained this until I am blue in the face and it falls on deaf ears and blind eyes. So the next thing to do is attach those statements right here so you can see the change of the numbers either you or the creditor made a mistake and combined my account which was in good standing as I had the card for less than 30 days but again the statement show this and it shows that my card was closed in less than a month. If you all cant see this now I dont know what else to say it took you over 20 years to see the XXXX and you still dont see that you were collecting on the same card as was in the courts. 

You will see this now. I hope. 

XXXX  XXXX you continued to report me wrong here too and double report me.You would report once as the bank and once as LVNV same card but your dates dont match on the LVNV and the i am going to pretend I am XXXX  XXXX I know that the second you buy this account the creditor stops reporting so what you do is make it up.

Company response to consumer: Closed with explanation