Consumer complaint received 2020-05-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 LVNV has been notified that account ending in XXXX is fraudulent. On XX/XX/XXXX, of 2020 LVNV funding was sent a certified letter with a copy of the filed FTC report that the account ending in XXXX is not my account. I am have reached out to LVNV and resurgent capital on numerous times trying to resolve this issue. The company has been asked to provide documentation that this is my account. LVNV funding and resurgent capital has refused to provide the information required under the FDRA and FDCPA. 

On XXXX XXXX the original creditor XXXX XXXX Bank removed the fraudulent and erroneous items from XXXX  credit report. 

On XX/XX/2020, I received a letter from XXXX XXXX XXXX " stating they were handling the account for Resurgent Capital. '' LVNV is knowingly committing slander and fraud by reporting inaccurate information my on XXXX, XXXX  and XXXX   credit report. A copy of the letter is listed below along with the FTC report number XXXX. 

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you by producing the following : 1. A copy of original contract, ( the unaltered genuine original wetting ink signature copy ), paper chattel. Attached with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of XXX to At this time I will also inform you that if your offices have reported invalidat
ed information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation