Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
NOTICE OF INTENT TO LITIGATE FINAL DEMAND FOR PERMANENT REPRESSION AND DELETION OF FRAUDULENT TRADE LINES VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Resurgent Capital Services/ LVNV Funding LLC Compliance, Fraud, and Legal Operations XXXX XXXX XXXXXXXX XXXX, SC XXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OK XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX RE : Formal Identity Theft Dispute, Strict Deletion Demand, and Notice of Pending Federal Lawsuit for Willful Violations of the FCRA and FDCPA 1. FORMAL NOTICE OF DISPUTE & CRIMINALLY FRAUDULENT DEBTS This letter constitutes a formal, aggressive dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Your institution is currently publishing four ( 4 ) highly defamatory, completely fraudulent collection trade lines on my credit reports. Let me be unequivocally clear : I have never applied for, authorized, or benefited from any of these alleged accounts. They are the direct result of criminal identity theft perpetrated by a third party who illegally exploited my personal identifiers. I demand the immediate investigation and permanent deletion of the following four ( 4 ) toxic trade lines : Disputed Account 1 : Resurgent/LVNV Funding | Opened : XX/XX/XXXX | Balance : {$770.00} Disputed Account 2 : Resurgent/LVNV Funding | Opened : XX/XX/XXXX | Balance : {$550.00} Disputed Account 3 : Resurgent/LVNV Funding | Opened : XX/XX/XXXX | Balance : {$530.00} Disputed Account 4 : Resurgent/LVNV Funding | Opened : XX/XX/XXXX | Balance : {$540.00} 2. IRREFUTABLE STATEMENT OF ABSOLUTE PHYSICAL IMPOSSIBILITY Your records state that these four electronic accounts were opened between XX/XX/XXXX, and XX/XX/XXXX. Take immediate note of the following official, unassailable facts : I have been in the continuous, uninterrupted physical XXXX of the XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) since XX/XX/XXXX. I have been continuously XXXX XXXX XXXX XXXX XXXX XXXX for nearly XXXX consecutive years. I am currently XXXX XXXX at the XXXX XXXX XXXX XXXX. As a long-term XXXX within a XXXX XXXX XXXX, it is a physical, legal, and operational impossibility for me to have established consumer accounts, processed applications, or executed digital retail contracts during the dates in question. Any consumer contract or signature your company claims to hold under my name is a patent forgery. XXXX. ENCLOSED GOVERNMENT-ISSUED EVIDENCE To ensure your compliance department can not claim a lack of documentation, I have attached conclusive, state-issued evidence of my XXXX XXXXXXXX : A copy of my official XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my XXXX XXXX XXXX XXXX XXXX, verifying an unbroken, continuous timeline of XXXX XXXX dating back to XXXX. Other major national debt buyers ( including XXXX XXXX XXXX ) have already reviewed this exact state-issued proof, recognized the absolute physical impossibility of the debt, and immediately closed out thousands of dollars in fraudulent files. I expect the exact same standard of legal compliance from Resurgent/LVNV Funding. 4. STATUTORY REMEDIATION DEMANDED WITHIN 30 DAYS To avoid immediate civil litigation in federal court, Resurgent/LVNV Funding must execute the following remediation steps within the mandatory thirty ( 30 ) day statutory window : Permanent Credit Bureau Deletion : Completely suppress, wipe, and permanently delete all four ( 4 ) of these fraudulent trade lines from my credit profiles at XXXX XXXX XXXX XXXX Absolute Debt Voidance : Formally close all four accounts, zero out the balances to {$0.00}, and release me from any and all alleged civil or financial liability. Cease Secondary Debt Sale : Permanently block these fraudulent files from ever being sold, transferred, or assigned to a secondary collection agency or third-party debt buyer. Written Clearance Letter : Mail a formal, physical letter of clearance directly to my secure mailing address at the XXXX XXXX XXXX XXXX confirming total resolution. 5. NOTICE OF INTENT TO SUE FOR WILLFUL NONCOMPLIANCE If your company fails to properly investigate this claim, ignores this notice, or sends a boilerplate automated response attempting to validate these forged debts, I will immediately initiate a civil action against Resurgent/LVNV Funding in federal court. Under 15 U.S.C. 1681n, a willful failure to conduct a reasonable investigation after receiving direct notice of identity theft subjects your corporation to actual damages, statutory damages, punitive damages, and all associated court costs. My XXXX XXXXXXXX records provide absolute, undeniable proof that will easily withstand judicial scrutiny. Do not mistake my current XXXX for an inability to aggressively enforce my federal rights. Treat this matter with the legal urgency it requires. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief