Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, I received an email from XXXX stating that an account in my name was sold to Resurgent capital Inc and that XXXX would no longer accept a payment on the amount they were stating I owed. Also at this time, I was notified of the XXXX account on my credit report being updated to charged off as bad debt. As a consumer, I was under the impression that the debt was charged off and it would negatively affect my credit but that would be the end of it. 
On XX/XX/XXXX, a Notice of Assignment was mailed to me from Resurgent. The notice said nothing about any amount of money being owed, however at the bottom it stated This was sent from a debt collector, however please note that this communication is not an attempt to collect a debt. The sole purpose is to provide information regarding ownership of the account. 
Again as a consumer never having gone through debt before, I was still under the impression that I didnt owe anything. 
On XX/XX/XXXX, I received an alert that a new collection had been added to my credit report. I immediately logged in to find out what was going on and there was a new collection showing reporting opened XXXX XXXX by LVNV funding LLC with an active open status which immediately took my credit score from XXXX down to XXXX. I called XXXX and XXXX immediately to dispute this account that I not only didnt recognize, but had also received that notice of assignment a few months prior stating they werent attempting to collect any debt! The dispute was investigated, and the only update I received was that the verbiage would be added to my report that I disagreed with the information. Nobody from LVNV or Resurgent or any other company ever contacted me about my disputes to them about this information being inaccurate. 
*Please note, this account STILL shows open, and as of XX/XX/XXXX the balance reporting to my credit report has increased by {$500.00}, which is also a major violation. * *Please also note that I brought the fact of the charge off on my credit report up in the complaint I made to the attorney of LVNV in XX/XX/XXXX. Interestingly enough, XXXX was deleted from my credit report in XX/XX/XXXX. Great thing I had kept my proof of the report. * Fast forward to XX/XX/XXXX, the very first glimpse of debt being owed was mailed to me in the form of the initial validation letter. This validation letter was from yet another new company named XXXX XXXX XXXX XXXX, attempting to collect debt on behalf of LVNV. This is the same law group that called me every 2 days from XX/XX/XXXX up until XX/XX/XXXX when I filed a complaint against them for harassment. Mind you, during the time of XX/XX/XXXX, I had just found the courage to leave a job that I had been experiencing harassment for a year and this was right at the start of the holidays. I had gone to my grandmothers house about 3 hours from my residence and decided that since I was taking a break from working, that I would stay through the new year and spend time with her and my family. I returned home around XX/XX/XXXX, to which I checked my mailbox and saw a jammed pack mailbox with about 100 letters/cards/advertisements, etc. I had a ton of catching up to do after being away for a month that I didnt deep dive through each piece of mail immediately. You could imagine my surprise that on XX/XX/XXXX, a lawyer that I had worked with ONE time the previous year, sent me an email stating he received mail regarding a lawsuit for me with his law firm listed as my address, so he wanted to send it to me so I was aware. What a breach of privacy and how humiliating this was. 
On XX/XX/XXXX a serviced showed up on my doorstep to serve me papers that I was now being sued for this alleged debt. 

I can not begin to express the toll this has placed on my mental health, my physical body from the stress, on top of still struggling to find employment. LVNV violated my fair credit reporting act, which affected my interest rate on car refinance, made it impossible to take out any new loans or credit cards, made it impossible to find a place to live with that low of a credit profile, ultimately almost made it impossible for me to find a job in my field of work. I have a state license and with that being on there, I have to provide a detailed explanation to any CEO that thinks of hiring me explaining how I am not a fraudulent individual etc. 
For them to wait over a year and a half to contact me, finally doing so a week before XXXX, and then serving me a lawsuit not even two months later, however they were able to monthly ruin my credit by reporting to the bureaus while also ignoring my multiple disputes placed on those bureaus. I absolutely want to press charges for emotional distress, humiliation, and violating of my rights and sense of peace.