Consumer complaint received 2019-11-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 Dear CFPB company LVNV Funding LLC place a collection on my bureau that is a result of identity theft and has been resolved. I am contacting you to have them please send me a deletion letter and also have that negative trade-in deleted from my all credit reporting agency XXXX.XX/XX/2019. There is no account number listed and everything they are reporting is inaccurate.

XXXX  XXXX   XXXXXXXX  XXXX  XXXX  XXXX  XXXX  # XXXX XXXX, GA XXXX  LVNV Funding LLC
Fraud Department or Billing Department
 XXXX XXXX XXXX XXXX  SC RE : Negative Collection Account Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report with all items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I suggest you advise who you purchased this account from the actions I am taking.

Enclosed are copies of FTC Identity theft report, XXXX Police Report supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate, and delete the disputed item ( s ) as soon as possible.

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ).

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft and the deleting of this information from all credit reporting agencies. Notice to furnishers and requisition a deletion letter for the CRAs to delete. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation