Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

XXXX, discovered the debt in XXXX on my credit bureaus. Contacted the collection agency LVNV about {$790.00} they say I owe for XXXX XXXX. I called them told them this is fraud that Ive never lived in the state that this happened had no one that I know living in this state. Requested that they send me everything they have from the utility company and they never sent the information to me. The first thing that lady said from LVNVwas that Im sorry to say this is for a debt from Texas and that this company XXXX had a history of fraudulent activity. I contacted folcrum energy and they refused to help me in any form. I requested they send me whatever info they had, application, bills, statements letters of collection, they said any and all information would have been sent to the collection agency. Ive disputed with XXXX and they removed it, disputed with XXXX XXXX and they claim they verified it was my debt. I asked what proof they had and the lady today said she cant access that information that I needed to call back the number I had called that said they were busy and transferred to a text chat. Im done with dealing with this. This is not my debt! This happened to me also in XXXX with a company in Texas called XXXX, it happened twice with this company and they verified it as fraud and had it removed off all bureaus. Ive been told several times by several people in Texas that as long as you have a valid name and social security number you can have utilities and you dont have to prove identity and they dont pull any credit files on you. I have to prove Im me and that I lived at my address in my state and show them a dl or state id plus show them rental agreement or mortgage papers showing where I lived when this took place. Why? They didnt need the proof to put an account in my name!!! Ive lived at my current residence since XXXX of XXXX with no missing time. I did live with my daughter when I first moved back to the state I lived with her for 6 months, again this was XXXX 3 years prior to this debt. Prior to that I lived for 10 years in Wyoming with no missing time. How can I live in XXXX places at the same dang time? I also just the other day received a call from a collection agency that LVNV gave my information to so they can try and collect the {$790.00} they say I owe. I told that lady that they are never to contact me about this. I told her I requested any and all proof of this debt and no one has provided the info to me. I told her everything I just said here and she said she would send it right back to LVNV. I just need someone to help me. Ive filed XXXX police reports at the same sheriff office. Ive even gone so far as to contact a police department in Texas when this happened the XXXX time and begged them to start a police report down there and they were very nice and very understanding and said they couldnt help me because I DONT LIVE IN TEXAS XXXX Yes, Ive contacted everybody involved in this and I feel like Im beating my head against the wall! Ive yelled, Ive screamed, Ive cried to everyone and their brother with no help from anyone. Ive locked down my credit file but what good will that do me when they dont require to pull a credit file for utilities in the state of Texas XXXX The only thing that has done is lock down my credit for XXXX year and place a hardship on me if I need to apply for credit. I remember seeing in XXXX of the disputes that when XXXX was contacted that I told them the debt was mine and I set up a payment plan with them to pay this back. That is a joke. I contacted folcrum but that is not what happened in our conversation. Ive never told anyone this debt is mine and I sure as heck never agreed to any type of payment plan. This company, when I spoke to them, dug their toes in the sand and point blank stated this was my debt and there was nothing I could do about it! They were unwilling in any capacity to help me. Said they go by Texas law and in Texas this is my debt. I said you need to go by federal law and if you cant prove this is my debt then you must remove said debt!