Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a summons last night for a pre-trial hearing over a debt that has never been mine. I contacted the CFPB this past spring ( XXXX ) because I was receiving emails from a debt collection company ( Resurgent / LVNV ) for an account Ive never had. 

After filing the complaint, I received follow-up emails from the CFPB stating XXXX the company had responded and the complaint was closed, and I was not required to respond. Because it was not my account, the CFPB emails indicated that the matter required no response, and I stopped receiving collection emails, I did not look into the matter any further. I thought the matter was fully resolved until last night ( XXXX XXXX, XXXX  ), when I received a summons to appear for a pretrial hearing about the same account. 

The suit includes a copy of a bill for the same account that is not mine. It is for a person with my same first and last name living in another state at an address where I have never lived. A simple search for public voter records using the address indicated on the outstanding bill versus my voter record will clearly show that the person who actually owes the debt has a different middle name, age, birthdate, and address. The detailed version of the other person 's voter registration even matches the PO Box on the bill. I checked all XXXX  of my credit reports today and verified that this account is not on my report with any reporting agency. This is clearly a case of mistaken identity that never should have happened and that I should not have to defend. 

The company did not contact me directly with legitimate information tying this account to me personally. I have been afraid to contact them directly on the matter because of how aggressively they have pursued me over someone else 's debt after I already reported that it is not mine and because of how negligent their practices clearly are. I do not wish to provide them with any personal information. They have no right to it. 

It is gross negligence on their part that they would not do a simple search for basic identifying information about the actual account holder and compare it to my information. 

As a result, over the course of the past XXXX hours, I have had to deal with a man I don't know ( the process server ) knocking on my door and ringing my doorbell repeatedly during the day and then coming back again and doing the same at night in the dark and not going away even when I did not answer, which was both aggressive and frightening. In addition, I have now had to take time off of work to try to resolve this matter, have been experiencing emotional distress, and am required to appear in court. Another matter of great concern is that this accusation creates a libelous public record that could adversely affect my career in the event of a background check, which is required for every job I've held in the past decade. 

The account number I am providing for this complaint is not my account. It is the number on the information from the process server.

Company response to consumer: Closed with explanation