Consumer complaint received 2021-02-08
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, XXXX I would have replied to your absurd response in XXXX but I was back in the hospital. I am shocked by your reply. You have some nerve saying you have questions as to the veracity of my complaint. So to enlighten you and to get the answers to my questions which seem to be avoided at all costs by you. I will attach the paperwork that I received by Resurgent asking me for money on debt that was never mine and dismissed by the courts. Yet, Resurgent was trying to collect money on this very same card in XXXX of XXXX. And Resurgent was trying to collect more than what the courts were trying to collect pre finding out that this was identity theft. How is that possible??? How can you be asking or trying to collect on something that was removed and dismissed from the courts? 

The credit cards that you were trying to collect on in XXXX were cards opened up during an identity theft back in XXXX and XXXX. I know we had a discussion about this and you stated that you never tried to collect on anything that was 20 years old. You are correct it was OVER 20 years. This is absurd that you would continue this absurdity knowing that these cards were opened fraudulently they were not used by me and you even were sent the FTC and the police report 10 years or more ago. So my question is why you chose to report me continuously to all three credit bureaus as being a deadbeat?? Why did you not step up and say this card/cards were opened under identity theft and XXXX disputes the charges?? Why would you continue to ruin my credit for years unnecessarily?? And don't you think I am owed?? It is due to your inability to convey the facts to all three agencies the correct way that nowI feel you you need to go back and make things right. 

I have noticed that in our emails and here that you dont answer the questions. You refer me back to a previous reply that do not answer the questions either. I need answers I want to know how you are going to fix this? XXXX XXXX was sent a letter in XXXX of XXXX I know you say you didn't have the accounts back thenXXXX  seemed to know about them because she and I had a long chat and I followed up with a letter sending to her the police report the FTC reports on the items I knew about. And she got my info because we spoke again and then she fell off the face of the earth never to be heard from again. I called and was told she was no longer with the company. And I asked who was handling my file. I was told someone would call me back and that never happened. But those collections notices kept coming from you on all three XXXX. I have enclosed the last ones due to you thinking that I am making things up. As i have shared I have a huge file on this mess. And I can guarantee after speaking with some who work at Resurgent LVNV or whatever name XXXX is attached to that your files are missing pieces lost?? 

So as you can see the damage has been done and its cumulative. How do you plan on fixing the damages you have caused? How do you plan on making this terrible situation right? 

I have enclosed the collections letters from you in XXXX and also what the court had owing before it was removed How can two places be collecting on the same account and why are you asking for more money?? 

These are the questions you have never answered and speaking with all three bureaus you reported me wrong.

Company response to consumer: Closed with explanation