Consumer complaint received 2021-07-03
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT/LVNV FUNDING is a 3rd party collection agency for a company known as XXXX XXXX XXXX, which is reflecting on my XXXX  credit report under a profile that does not match mine ( last name, address, phone, employer, etc. ). Upon contacting XXXX  by phone ( XX/XX/XXXX ) and disputing my profile information, I was instructed to send documentation ie., utility bill, DL, or state ID verifying my identity in order to correct my credit file. I also contacted Resurgent/LVNV FUNDING LLC by phone ( XX/XX/XXXX ). I informed the representative that I was never known by the last name on the account, never lived at the address of the account holder, the phone number given was not mine nor did I recognize the company " XXXX. '' I requested proof of debt ; e.g an invoice, signed contract/agreement, statement, etc. ; documentation with my legal name on it, showing that this debt belongs to me. I was told I would receive it in 3-5 business days. During my wait, I sent XXXX  the documentation that was requested along with a letter identifying the error in question via USPS Certified mail. Since I had not received correspondence from Resurgent, on XX/XX/XXXX, I sent a request letter for proof of debt via USPS certified mail, since I had not received correspondence from LVNV FUNDING LLC /Resurgent. On XX/XX/XXXX, I received an " Identity Theft Affidavit ''. I immediately contacted LVNV FUNDING LLC/Resurgent by phone explaining that I am not a victim of identity theft and I did not request an XXXX, I requested " PROOF OF DEBT ''. I was again, told I would receive it within 5-10 days. As of today, XX/XX/XXXX, I have not received any proof that the collection account belongs to me, but I did receive a vague, general email response from XXXX in which was noted on my consumer report as " verified ''. A " Before and After '', scenario ; which is copied and pasted as follows : BEFORE RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX AFTER : RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$290.00} past is due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Date Opened Collection account. {$290.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount At no point has Experian or LVNV FUNDING LLC/Resurgent proven that this debt belongs to me. It is the only credit account out of all of my creditors that is reflecting a profile that doesn't match mine. The back-and-forth with these companies is getting exhausting. I have come to the conclusion that 3rd party collection and/or consumer reporting agencies are not regulated close enough to ensure that the information is correct. In my opinion, there should be stiffer mandates in place in which consumer reporting agencies should be required to legally validate the source in which consumer information is received. These agencies shouldn't be legal, but I'll leave that to the politicians ; it's all about MONEY anyway. My expected resolve is any legal document, with my legal name reflecting a collaborative agreement for a credit account with XXXX/Resurgent. In addition, I need XXXX to CORRECT their ERRORS or verify with legal documentation.

Company response to consumer: Closed with explanation