Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Resurgent Services is the company that is representing Pinnacle LLC who was the previous owner of this debt. I have written letters to the collection agency asking to validate and verify this debt they are claiming is owed from XXXX. I understand it is past the statute of limitation to collect on this debt. However, Resurgent has illegally consolidated this debt with another debt that is infact within limitations and owed to the creditor. In good faith that Resurgent will correct this error, I paid the amount that was in fact due and correct. I am filing a complaint because this erroneous debt is negatively impacting my credit score significantly. I have requested for this to be corrected with the Collection agency along with the Credit Bureaus who have received this incorrect information. 

below is the second letter sent requesting this information is removed and corrected. 


To Whom It May Concern : This letter is the second request to validate this debt you are claiming. As I have stated in my previous letter dated XX/XX/XXXX, I have no knowledge or record of this account ( XXXX ) with this creditor. After doing intensive research, I discovered You have falsely consolidated this erroneous debt with what another debt that was in fact, properly owed to another creditor. This consolidation of these debts is not only against the law, but I am concerned about Resurgents ethics and its compliance with the FTC and FRCA. 
I have the right to request the validity of the debt, and I have reason to believe this debt was falsely created and my identity was used without my knowledge or consent to create this account. This debt includes account number XXXX with the balance of XXXX and account XXXX with the balance of XXXX. Again, I did not Authorize, nor did I give the creditor my consent to create these accounts. I can assure you ; you do not have any record that there was a contract or agreement of any kind giving my consent, with the creditor and myself. 
I am requesting that this information is removed immediately, and your records updated along with the reporting agencies. Based on the information you provided this debt is time- barred ( XX/XX/XXXX ) and the statute of limitations has expired for you to collect on this debt, and for this debt to be reported to the Credit Bureaus and as it stands you are in direct violation of the FRCA. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

I have no problem paying my debts, I am willing to reconcile any debt that is in fact owed and that is true and correct. This is reflected with the payment of XXXX to your company dated XX/XX/XXXX confirmation number ending in XXXX. 
This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. 
I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.