Opinion ID: 6318193
Heading Depth: 3
Heading Rank: 5

Heading: Any other documents supporting this claim.

Text: 4 No. 21-1981 Woods did not respond to either letter. Instead, he called American Airlines. Over the phone, American confirmed that the account was opened under Woods’s old address, and under an email address he says he had never heard of. Even so, American sent Woods two letters, on May 22 and June 1, indicating that it had determined the debt was his. That was when Woods turned to the local police. On June 6 Woods filed a report with the Tipton County Sheriff’s Office, alleging that he had been the victim of identity theft. Woods brought with him the two letters he had received from American. Reviewing these letters, the officer who spoke to Woods wrote in his report that American “had completed an investigation and … determined that it was in fact him.” On June 20 Woods formally disputed the debt with the CRAs and provided them a copy of the police report containing the officer’s commentary. Around a week later, the CRAs forwarded these materials to Resurgent in what is known as an automated credit dispute verification, or ACDV. Resurgent reviewed these new materials and again matched Woods’s name and address to the account information in its database. It verified to the CRAs that the debt was indeed Kevin Woods’s. Woods filed this lawsuit a couple months later, on August 14, 2019. The next day, Resurgent sent him another letter seeking additional documents to support his claim, and included the same list of suggested materials it had sent on May 1. Two weeks later, American wrote Woods to say that it had, at long last, concluded he was not responsible for the unpaid charge on account 9762, though it is not apparent what led the company to this changed view. Upon learning of this No. 21-1981 5 development, Resurgent promptly asked the CRAs to remove the account from Woods’s credit report, and they did.