Consumer complaint received 2018-09-10
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 is not yours

Complaint:
Regarding XXXX XXXX for XXXX XXXXXXXX XXXX - XXXX acct. no. XXXX. 

XXXX/Resurgent Cap., and now XXXX XXXX XXXX have continually refused to supply requested information regarding an account which has been reported as a collection with the CRAs since XX/XX/18. 
I initially spoke with a representative from this company, XXXX XXXX, and informed her that I wanted to clear up this debt, which doesnt belong to me. 
At the time I was uninformed about certain debt practices, and my rights as a consumer. 

Attempting to clear up and pay off old debts, which I am in the process of, I purchased debt monitoring via XXXX, and learned that XXXX XXXX listed this debt as a collection on XX/XX/18. 
I have disputed this debt with the CRAs since XX/XX/18, requesting they they verify and/or validate this debt. After multiple dispute letters to the CRAs, XXXX XXXX continues to update this account as valid, while refusing to provide signed contracts, or providing bills of sales totaling the staggering amount of XXXX. As XXXX is a mail order company, I would have no reason to purchase any items totalling this large amount. 

I have never requested or received a credit card from XXXX. I didnt even know they existed. 

I would like to determine if someone has used my information to purchase items using my name. But XXXX XXXX refuses to provide me or the credit bureaus any validated information. 

In the process, I received a letter from XXXX XXXX XXXX, dated XX/XX/18. But received in XX/XX/2018, who state that they are now collecting this debt for XXXX XXXX. 
I phoned XXXX XXXX. XXXX. on XX/XX/18 and spoke with a representative, XXXX, who suggested that I dispute directly with XXXX XXXX, instead of the credit bureaus. 
XXXX XXXX received the certified dispute letter on XX/XX/18. 

While patiently awaiting a response from XXXX XXXX, instead of a response to my dispute, I received an alert from my XXXX account today XX/XX/18, that a new collection for this invalidated item has now been added to my XXXX report, where it had not appeared previously. ( I initially thought that it was reported to all three bureaus ). 
Now this negative information IS reporting to all three bureaus. 

As a XXXX XXXX, Im in the rebuilding stage of credit, and this negative, unverified collection account is hindering my ability to move forward. 
I have owned and paid, and continue to pay off old, legitimate accounts to other lenders. 

I dispute this particular debt because I do not recognize it as an account opened by me. I have done everything that I know possible to request validated information of this account. This is the only account that I do not recognize or accept as mine. 

Please assist in acquiring the requested proven validation of this debt, in the form of signed contracts, bills of sales, etc. to prove beyond a doubt that this debt is mine. Or, request that this collection be deleted immediately and permanently from my credit reports. 

Thank you kindly, in advance, for your prompt assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation