Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
To Whom it may concern, I am writing to formally request the removal of unauthorized inquiries and any unfavorable credit marks from my credit report, which I believe are the result of a data breach involving my personal information. As a victim of this breach, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and request that you investigate and remove these unauthorized inquiries and inaccuracies immediately.

Upon reviewing my credit report, I discovered several unauthorized inquiries and/or negative marks that I did not initiate, in addition to XXXX accounts that are currently in a collection status should be removed from my credit report. 

I suspect that the inquiries are the results of a data breach which has compromised my personal and financial information, and the inaccurate account statuses for LVNV Funding LLC and XXXX XXXX which are both being reported inaccurate. 

The items in question include : XXXX. Unauthorized Inquiries : a. XX/XX/XXXX, XXXX XXXX  b. XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Unfavorable Credit Marks  ( Collections ) a. LVNV Funding LLC- opened XX/XX/XXXX. 
b. XXXX XXXX opened XX/XX/XXXX. 

As a result of these unauthorized inquiries and data breaches, my personal information was accessed without my consent and was likely used to generate these unauthorized inquiries and potentially alter my credit status. Under the FCRA and 15 USC 1681 credit law, I have the right to dispute inaccurate information or fraudulent information on my credit report and request that such information be removed. 

I respectfully request the following : XXXX. Immediate Removal of Unauthorized Inquiries : Please remove any inquiries that were not authorized by me. These inquiries were likely the result of identity theft or a data breach. 
XXXX. Correction of Unfavorable Credit Marks : Any accounts or marks that were negatively impacted by the data breach should be corrected or removed, as they were not caused by any action of mine. 
XXXX. Investigation and Documentation : Please conduct a thorough investigation into the source of the unauthorized inquiries and credit marks and provide me with the written documentation confirming the result of your investigation. 
XXXX. Fraud Alert of Credit Freeze : I also request that a fraud alert or credit freeze be placed on my credit file to prevent any further unauthorized access while this matter is being resolved. In addition to this, I am also requesting a copy of the original signed contract ( s ) or agreement ( s ) that created the alleged debts, a complete and accurate account statement detailing the debt, including any payments made and charges added, and any other supporting documents providing that I owe tha alleged debts. 

Enclosed are copies of documents that support my claims, including a copy of my credit report highlighting the unauthorized inquiries and negative marks. 

Please conduct a full investigation in accordance with the FCRA and notify me of your findings and any corrective actions taken. I expect a resolution within the XXXX period required by law. Should you require any additional information or documentation from me to facilitate this process, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the removal of the inaccurate information from my credit report.

Company response to consumer: Closed with explanation