Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

I am writing about a credit record that continues to show on my credit report. I have disputed this record to no avail. The credit record is from XXXX XXXX / RESURGENT CAPITAL account XXXX   This firm is collecting on behalf of XXXX XXXX XXXX .

The address for the collection firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  I am not saying that I didnt enter an agreement with XXXX  but rather there was deceptive, misleading and unfair practices associated with the transaction. I was young, with children in dire need of transportation. I needed to work and keep a roof over our heads and food on the table.

Following is a synopsis of the events leading to this collection. To be honest I dont know if a title to the vehicle was ever put in my name. If you need additional or more detailed information, please let me know and it will be my pleasure to provide all the documents that I have available.

Purchased XX/XX/XXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX, PA o Mr. XXXX  was I thought a family friend.

Was told the Jeep had new transmission and new motor o Could not test drive as new motor was not installed yet.

Went down the street to his buddy at XXXX XXXX  where finance documents were prepared.

o Agreement listed vehicle and 42 inch television as collateral for the loan along with the Jeep Interest rate on vehicle loan was 23.99 % in the state of PA where law limits rate to 21 % for used auto loans. - Attached Paper tags and temporary registration provided by dealer Vehicle started giving me trouble within first few days would stall out in normal traffic Returned to dealership for repairs and to get registration / tags again provided with temporary tags.

Vehicle continued to perform subpar.

Finally contacted the states department of motor vehicles about the temporary tags requesting they provide permeant tags and was informed that the dealership was under investigation.

Dealership was closed by the state of PA for tag violations Criminal charges were filed by the state and Mr. XXXX pled guilty.

Still having problems with the Jeep could not get resolve from Mr. XXXX Brought the vehicle back to the closed dealership and contacted XXXX  where the car was located.

When debt was sold to Resurgent I tried to set up a payment plan ; sent them a payment in XX/XX/2015. Check was cashed and no communications from the collection firm was ever received.

o Try to dispute with the credit bureaus and receive notice that information is correct o When I contact the collection firm for documentation I have never received a reply from them.

o To the best of my knowledge I never placed a do not contact with the firm.

The listing on my credit report is an arduous reminder of a very difficult period in my life. I believe that I was the victim of deceptive practices and possibly usury on this transaction. I am requesting the CFPB review the documentation with the collection firm and with XXXX which is currently owned by XXXX XXXX