Consumer complaint received 2026-01-27 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:
Via Certified Mail Return Receipt Requested XXXX XXXX XXXX, XXXX. 
Attn : Legal Department / Compliance XXXX XXXX XXXX XXXX  Address ] XXXX XXXX XXXX XXXX XXXX FINAL CEASE AND DESIST NOTICE XXXX XXXX XXXX DEMAND FOR COMPENSATION FOR UNLAWFUL SALE AND REPORTING OF FRAUDULENT DEBT To Whom It May Concern, I am writing to formally place XXXX XXXX XXXX, XXXX. on final notice regarding its continued unlawful actions related to an alleged consumer XXXX  account purportedly associated with my name. 

This letter constitutes a final cease and desist, a formal dispute, and a pre-arbitration demand for compensation under applicable federal consumer protection laws. 

XXXX XXXX XXXX XXXX 1. CEASE AND DESIST ALL COLLECTION AND TRANSFER ACTIVITY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and applicable consumer protection laws, you are hereby directed to : - Immediately cease all collection efforts, - Cease all communication with third-party debt collectors, - Cease the sale, transfer, assignment, or re-aging of the alleged debt, and - Cease reporting or furnishing any information regarding this account to consumer reporting agencies.

Any further attempts to collect, sell, or assign this alleged debt will be considered willful noncompliance. 

XXXX XXXX XXXX XXXX 2. FORMAL DISPUTE OF DEBT FCRA VIOLATIONS I formally dispute the validity, accuracy, and legal enforceability of the alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Despite this dispute, XXXX XXXX XXXX  has : - Furnished and/or sold unverified and inaccurate information, - Failed to conduct a reasonable investigation, and - Enabled third-party collectors to pursue a debt that is unsupported by competent evidence.

These actions constitute violations of the FCRA and expose XXXX XXXX XXXX  to statutory and actual damages. 

XXXX XXXX XXXX XXXX  XXXX. UNLAWFUL SALE AND XXXX  OF FRAUDULENT DEBT XXXX XXXX XXXX sale or assignment of a disputed, unverified, and legally defective debt to third-party collectors constitutes : - Negligent and/or willful misrepresentation, - Unfair and deceptive practices, and - Consumer harm through reputational, financial, and emotional damages.

Knowingly profiting from the sale of inaccurate or unenforceable consumer debt is actionable under federal law and subject to enhanced penalties when done willfully. 

XXXX XXXX XXXX XXXX  XXXX. DEMAND FOR COMPENSATION Due to XXXX XXXX XXXX  actions, I have suffered damages including, but not limited to : - Credit harm and negative reporting, - Emotional XXXX, - Time and expense responding to unlawful collection efforts, and - Ongoing reputational and financial injury. 

Accordingly, I hereby demand : - Monetary compensation for statutory and actual damages under the FDCPA and FCRA ; - Immediate written confirmation that the alleged account balance is {$680.00} - Permanent cessation of all collection, assignment, and reporting activity ; and - Written confirmation that no further sale or transfer of this alleged debt will occur. 

XXXX XXXX XXXX XXXX  XXXX. NOTICE OF INTENT TO ARBITRATE / LITIGATE If XXXX XXXX XXXX  fails to comply with this notice within 15 days of receipt, I will proceed without further notice to : - Initiate private contractual arbitration pursuant to your Cardholder Agreement, and/or - Seek all available remedies under federal and state law. 

This letter is sent in good faith as an opportunity to resolve this matter without further escalation. No rights are waived. 

-- - Sincerely, [ XXXX XXXX XXXX Date : XX/XX/year> -- - CC : Consumer Financial Protection Bureau ( CFPB ) Missouri Attorney General Consumer Protection Division Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation