Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Company On Report : XXXX XXXX XXXX {$960.00} Opened XXXX XXXX Im not at all familiar with this creditor or lender and I called the phone number listed on my report to ask them to disclose what merchant originally Opened an account without my permission or authority. The agent laughed, and said " So, you have no idea where you, XXXX XXXX, opened this account? '' Please first verify your social security number and the state it was issued. '' I refused to give them my social security number as I don't have my social security listed on any form of ID so this wasn't something I was comfortable giving to an unknown Company that has literally ruined my credit based on information that wasn't authorized to be shared or used to open a collection by either a third-party or someone I physically didn't apply for. In XX/XX/XXXX I was in a XXXX XXXX XXXX being evaluated by XXXX XXXX Supreme Court for a XXXX XXXX XXXX that contributed to my homeless and becoming unemployed after being scammed out of {$15000.00} from an online realtor that promised me relocation to XXXX  to purchase a house that wasn't eligible for lease or mortgage due to it was a new build financed by builders. The HOA said that my lease purchase wasn't legal and I had 15 days to exit said property. So, I was definitely experiencing a XXXX XXXX XXXX XXXX that began in XX/XX/XXXX I lost everything I had in my bank account and the realtor blocked me on XXXX and XXXX after draining my account. I went to my XXXX XXXXXXXX XXXX and filed a dispute for identity theft, theft by a realtor and hand all my accounts locked while I couldn't deal with anything mentally. I didn't have any identification due to the realtor had the locks changed citing that I broke my lease. I returned to XXXX XXXX XXXX awaiting court date in XXXX. XXXX and drove back to XXXX as directed by public defender. Was under a mental health hold thru 8 months. To later discover 3 Unauthorized Accounts were filed on my credit report. 

Company Listed on Credit File : LVNV {$390.00} in XX/XX/XXXX ( funding } and second charge XX/XX/XXXX same Company Listed on Credit Report : LVNV {$650.00} ( funding ). This Creditor called me after tracking down my credit report information I didn't even have this number is XXXX So, I asked them to verify this account and where was this ( funding ) deposited due to XXXX XXXX had also changed all my accounts while they investigated the withdrawals by realtor. I lost the investigation due to the realtor provided a lease purchase agreement which wasn't valid or legal. All my documents and HOA letter stating I was asked to leave due to I had no legal rights to occupy the residence. 

Once again, I was denied documentation to verify this so called ( funding ) account that was issued twice for different amounts. I never received any funding from LVNV on either documented funding date. I respectfully ask to be provided with all original documents used to open all three accounts in this complaint. I want to know how these accounts were accessed and what ID was used and how was these accounts opened did they ask for secondary proof of identity, was these accounts opened in person, and I want to see signatures of the person who forged my name and how were these accounts opened with my social security number is their copies of both ID and Social Security Number and what address was used on the original contracts or payment instruments. 

All I want is for these companies to be held responsible for their unethical collections process and failing to provide verification of these accounts have caused me " unwarranted disparity '' I still can't find housing with these collections or charge-offs on my account. 
Not to mention, I had all my student loans consolidated during covid only to discover all of them were reported as closed not consolidated If I would have been explained of this I wouldn't have consolidated those {$54000.00} loans totaling like 25 closed accounts. Credit is never explained in through detail on the actual facts of how applying for credit can in fact ruin your credit especially during covid 19 and with all those breeches by financial institutions I guess the pandemic just keeps on giving until you're legally dead on paper. Im praying that this gets resolved timely. I recently gained access to my transition account after being locked out my account since XXXX they had to do a hard reset to changed the email that didn't belong to me.

Company response to consumer: Closed with explanation