Consumer complaint received 2023-03-22
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 is not yours

Complaint:
I, XXXX XXXX, do not have any contract written nor verbal with this company nor any original creditor that it acts to represent. As Resurgent Capital Services is an entity and not a living natural person, I am bringing litigation against the living persons who legally represent the company as you all are enabling identity theft against me by violation of the FCRA despite numerous disputes and the request for validation and verification of a debt that you all are attempting to collect. 

This company has not been able to provide proof of the debt via an original signed contract or promissory note from the original creditor and when I reached out to the original creditor which is XXXXXXXX XXXX, they were unable to verify the debt as well and noted that they have no interest in the debt and cant provide any documentation to the validity of the debt. 

I recorded with full consent the last conversation that I had with an employee who stated that she is a supervisor, XXXX XXXX. She stated that the files that Resurgent has on hand are simply a file showing dates the account was open and payment dates. No original contract is in the possession of Resurgent Capital Services and neither does the original creditor, XXXX XXXX have the original contract. 

I boldly refute ownership of this debt and any debt that XXXXXXXX XXXX  and Resurgent Capital Services are claiming that I owe them as no validation nor verification has been satisfied. The PDF that Resurgent employees provided me was on company letterhead and a print out that they created themselves. 

I am requesting the full validation and verification of this debt and I am attaching the letter received from XXXX. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with you or your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the assigned debt collector. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was NOT canceled by 1099-C Verification that this debt was or was not assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful if applicable. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation