Consumer complaint received 2018-03-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

There is a company XXXX XXXX reporting a late payment on my credit, but there is no contact information for them, but a number I found was linked to Resurgent.  The account is regarding XXXX XXXX/XXXX. 

On this credit report, it shows date open was XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, so I was out of the country until XX/XX/XXXX. I am a XXXX XXXX XXXX XXXX veteran and was using Voc Rehab benefits since XX/XX/XXXX, so I haven't needed a student loan since before XX/XX/XXXX. 

I am not sure why XXXX XXXX/Resurgent is reporting on my credit for XXXX XXXX. There is no contact information for XXXX and this process is becoming frustrating. I think there was some sort of mix up along the way, considering this originated almost 10 years ago and XXXX XXXX broke off into different divisions and the debt was sold. This is all very unorganized and I feel like everyone is passing me off to another department. 

It seems that the XXXX is showing XXXX XXXX is out of business, which makes sense considering I can't find any contact information for them. Also, if it is true that XXXX XXXX is out of business, how can they be reporting on my credit and who is responsible for updating the information? 

I've contacted XXXX XXXX and they said they do not have anything listed with my SSN and since the loan originated before XX/XX/XXXX and was a federal loan, then XXXX would have the information. It seems in XX/XX/XXXX XXXX XXXX split into two different branches and XXXX took over the Federal side of things. 

I called XXXX and was able to speak with them. The guy told me I can create an account, which I have created and that he shows that XXXX no longer has the loan and it was charged off. The origination date is XX/XX/XXXX and the amount was {$4700.00}. It does not state who the loan was sold to, but I've been paying on my student loans through XXXX XXXX XXXX. The origination date and amount ( with XXXX XXXX ) are the same as what is listed on the XXXX XXXX/XXXX website. The loan is in repayment and that I only owe ~ {$250.00} before the balance is paid off. 

I created an account on Resurgent and found that it shows XXXX XXXX, but no account information and the bottom disclosure states that " because of the age of my debt, we will not sue you for it, and we will not report it to any credit reporting agency ''. 

I called Resurgent and talked to a lady named XXXX. She said that I owe XXXX XXXX over {$10000.00} for a XXXX XXXX XXXX XXXX loan account number XXXX. 

She said that Resurgent has been sending me communication and documents to XXXX XXXX XXXX in XXXX XXXXXXXX, CO. I haven't lived there since XX/XX/XXXX or so. She said that the account originated in XX/XX/XXXX and was charged off on XX/XX/XXXX. Again, not sure where this date is coming from. She said that I probably have multiple accounts when I asked her why XXXX XXXX would be reporting me current. I asked her what she would suggest because no loans listed on that site originated in XXXX. She said I could contact XXXX XXXX, but " good luck ''. 

I opened an account on XXXX XXXX XXXX and only XXXX and XXXX XXXXXXXX XXXX are listed for FFEL Stafford Subsidized and FFEL Stafford Unsubsidized loans. XXXX shows as canceled and XXXX XXXX XXXX is showing as in Repayment and all the loan origination dates are in XXXX. Again, almost 10 years ago. 

On XX/XX/XXXX after my home loan lender and myselft had a conference call with Resurgent. We talked with a lady named XXXX. She stated that Resurgent takes care of all XXXX debts and they purchased a XXXX XXXX debt in XXXX in the amount of {$9900.00}. I asked if Resurgent had the paperwork from when XXXX bought the debt and she said they did not have it, they only have the date. She also said that Resurgent is the one that updates the credit information on behalf of XXXX. I asked for the contact information for XXXX and she did not have any and only stated that Resurgent handles XXXX accounts ; all phone numbers and addresses for XXXX are actually Resurgent. 

We discussed why I haven't been contacted and she provided a list of about 3 addresses, all of which I haven't lived at since before XXXX. There most recent letter ( in XXXX ) went to an address from XXXX. XXXX from Resurgent said that she would note my account as in dispute, but they wouldn't actually investigate without a written request to XXXX XXXX XXXX XXXX in XXXX, SC XXXX and that the dispute reference number should be XXXX for my account. 

When asked who we could contact to get details on the loan, she said that it was XXXX XXXX and that was all they could see. I told her that I've already contacted XXXX XXXX and they do not have my account. Anything before XXXX goes to XXXX. The XXXX information is listed before, which shows the origination date and amount that matches the information I have been paying with XXXX XXXX and it shows I am current. XXXX XXXX/XXXX XXXX are reporting that my account is in good standing on my credit as well. 

So, I'm still confused how a company can own a debt without having documentation that they have bought it and how can a company that doesn't exist and with no contact information be reporting on my credit with amounts that don't match up with the information from XXXX XXXX/XXXX/XXXX XXXX XXXX? 

I think this was mix up or that XXXX/Resurgent is trying to collect on a debt bought by XXXX XXXX XXXX or someone is trying to re-age my account or something. This is very frustrating and confusing to a consumer. Information should be organized and easily accessible for consumers. XXXX XXXX/XXXX  and XXXX XXXX XXXX are showing the information, giving me access, and providing me with support. 

Why is none of this information consistent? I am very confused. I am in no way trying to get out of debt. It is quite the contrary, I've been paying all my bills and trying to get things cleared up on my credit. I have been a victim of identity theft, so I am not sure if this is related. 

XXXX/Resurgent is the only company I am working with that is not being transparent with information, which makes me think they have something to hide. Again, it seems that XXXX is out of business, so Resurgent is the only connection I have to XXXX and getting this cleared up and they are giving me the run around.