Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Below is a letter that I have sent to XXXX XXXX XXXX and LVNV funding LLC on three separate occasions over the past couple of years. To my dismay ( and frustration ), these collection agencies have continued to harass and send me emails over the past two years requesting money for a debt on a XXXX XXXX XXXX credit card, that I've never owned. 

Additionally, this credit card debt was listed on my credit reports more than seven years ago ( beyond the statute of limitations. ) I had initially contacted the original creditor, XXXX XXXX XXXX, as well as Transunion  and Equifax, to let them know that this credit card item on my credit report was not mine. 

It was obvious to me at the time, that since I hadn't own any credit cards from XXXX, that this credit item on my credit report was fraudulently obtained using my credentials. 

After I filed a complaint with XXXX XXXX XXXX, the account was subsequently removed from my credit report within 30 days ... With that said ; nearly a year later, XXXX XXXX XXXX and LVNV funding LLC had begun sending me harassing collections letters. 

These letters began requesting that I pay money for a delinquent XXXX XXXX credit card that the original creditor, Transunion  and Equifax, agreed was fraudulently obtained with my credentials XXXX and subsequently removed from my credit reports. ) Below is the letter that I've sent on several occasions to the aforementioned collection agencies, of whom are unable to validate the debt as being legitimate, continue to harass me for a credit card that I'VE NEVER OWNED. 

LETTER I SENT TO COLLECTIONS ON 3 SEPARATE OCCASIONS : " Dear XXXX XXXX XXXX Representative, I am responding to your contact about collecting a debt. You contacted me by postal mail onXX/XX/XXXX and identified the debt as a referenced account for LVNV funding LLC ( original creditor : XXXX XXXX XXXX XXXX ) Again, I do not have any responsibility for the debt that youre attempting to collect. 

Per LVNVs previous requests for more information, I have fully cooperated in their investigation on this issue. In my previous letter on this matter, I provided LVNV with all of the requested documents that they had asked for ; including a police report dated XX/XX/XXXX, a copy of the credit agencys investigation showing proof that, the original creditor ( XXXX XXXX XXXX ) had agreed that the debt was not valid, of which they subsequently removed the debt from my credit reports. 

As I had mentioned to XXXX  in my previous communication regarding this issue, if the original creditor ( XXXX XXXX XXXX ) has agreed that the debt is not valid and therefore removed the debt from my credit reports, then XXXX and XXXX XXXX XXXX have no legitimate financial claims to this debt as well. 

I have been very patient and courteous regarding this issue. By providing requested documents to XXXX to aid in their investigation, Ive fully cooperated with their firm regarding this matter. 

Therefore, I can no longer waste anymore of my time regarding this issue. 

Ive NEVER owned a XXXX XXXX XXXX credit card in my entire life. In fact, from XXXX, Ive never owned any credit cards PERIOD! Its absolutely impossible to validate this debt ( with solid evidence of my signature on a XXXX XXXX credit card contract. ) Therefore, your attempt to collect this debt is not valid and at this point, I consider being harassment by XXXX XXXX and XXXX XXXX XXXX. 

Im respectfully asking your firm ( and XXXX ) for the final time, per the state Rosenthal Fair Debt Collection ACT and the Fair Collections Practicing Act, to please stop harassing me on this matter. I dispute ever having incurred or having any obligation for this phony debt. Someone other than myself had incurred this debt, apparently using my credentials. The fact that XXXX XXXX XXXX ( the original creditor ) investigated and subsequently removed this debt from my credit reports 30 days after my initial request to investigate the issue ; proves that I personally did not incur this debt. 

Consequently, and with all due respect, as I had previously written to XXXX, I WILL NEVER pay a single penny for a debt that I did not incur and cant be validated. No one should be obligated to do such a thing. '' Since receiving the collections letter on XX/XX/XXXX, I have received an additional letter from these crooks on XX/XX/XXXX. 

Overall, I've received at least four communications from XXXX XXXX XXXX and LVNV funding LLC. And, although I've co-operated with their requests for police reports and other documents to state my case ; they have not been able to validate this debt on three separate requests, showing me proof that this debt was incurred by me. 

In the past year, so far, they have been able to provide me with the validation that I had requested ; ( including my signature on the original credit application. ) '' END LETTER At this point I am beyond fed up with this fraudulent extortion request. I am grateful for any help that the XXXX XXXX XXXX XXXX can provide for me in getting XXXX XXXX XXXX and LVNV funding LLC collection agencies to stop harassing me and others that may be experiencing the same harassing practices.