Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
I HAVE ASKED RESURGENT RECEIVABLES TO SHOW PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY SENT STATEMENT TRANSACTIONS WHICH IS NOT A PURCHASE AGREEMENT ALSO ITS REPORTING AS A CHARGE OFF PER THE INTERNAL REVENUE SERVICE A CHARGE OFF IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED AND A CONSUMER REPORT IF IT IS A CHARGE OFF WHY HAVE I NOT received A 1099C cancellation OF DEBT LAST THING THE DATES OPEN ARE ALL different which is innacucurate information being reported I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in.

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts.

2. A copy of the purchase agreement between RESURGENT RECEIVEABLES LLC and the original creditor that outlines your authority to collect this debt!!!!. 

RESURGENT RECIVEABLES/ LVNV FUNDING LLC HAS ASKED IN THE LAST complaint TO SHOW PROOF OF THE ACCOUNT NUMBER SINCE THEY COULDNT FIND ANY RECORD OF MY ACCOUNT BUT YET REPORT FALSE information TO THE CREDIT REPORTING agencies XXXX XXXX Account # XXXX XXXX High Balance {$0.00} {$16000.00} Last Verified -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$16000.00} {$16000.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length 1 Month ( XXXX ) -- Past Due Amount {$16000.00} {$16000.00} Account Type Unknown - credit extension, review, or collection XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX Account # XXXX High Balance {$16000.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$16000.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Other Collection Agencies Account Status Open Payment Status Collection/Chargeoff Creditor Remarks Account information disputed by consumer, meets FCRA requirements Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -- Term Length -- Past Due Amount -- Account Type -- Payment Frequency -- Credit Limit -- THESE ARE BOTH OF THE falsified accounts BEING REPORTED REMOVE immediately

Company response to consumer: Closed with explanation