Consumer complaint received 2025-11-22 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: NV

Complaint narrative:
I am submitting this complaint because I am a verified victim of XXXX XXXX and there are fraudulent collection accounts, addresses, and hard inquiries being reported in my name that I did not authorize. 

I filed an official FTC Identity Theft Report ( Report XXXX. XXXX ) and completed the identity-theft affidavit process. In that report I identified XXXX fraudulent collection accounts that are appearing on my credit reports : LVNV Funding LLC collection account with account number ending XXXX and a reported balance of approximately {$500.00}. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX account with account number ending XXXX and a reported balance of approximately {$960.00}. 

I did not open, authorize, or benefit from either of these accounts. I have XXXX knowledge of these debts, and I never gave anyone permission to use my identity for these accounts. These accounts are the result of identity theft and are falsely being reported as my responsibility. 

In addition to the fraudulent accounts, there are fraudulent addresses and hard inquiries appearing in my credit file that I do not recognize or authorize : Fraudulent addresses reported in my file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent credit inquiries include, at minimum : XXXX on or about XX/XX/XXXX CCFI on XXXX about XX/XX/XXXX JPMCB on or about XX/XX/XXXX My correct identity and contact information are : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX, XXXX Phone XXXX XXXX Email : XXXX After discovering the fraudulent activity, I took immediate steps to protect myself : Filed an FTC Identity Theft Report and completed the sworn identity theft affidavit. 

Initiated disputes with the credit bureaus to remove/block the fraudulent accounts, addresses, and inquiries. 

Placed security freezes/fraud alerts on my credit reports and began monitoring for additional unauthorized activity. 

Began the process of reporting the matter to law enforcement as instructed. 

Despite these actions and my clear notice that I am a victim of XXXX XXXX, the credit bureaus and data furnishers have continued to report these fraudulent collection accounts and related information, which is causing ongoing and serious harm to me. The presence of these false accounts, addresses, and inquiries : Damages my credit scores and overall creditworthiness. 

Risks denials of legitimate credit, higher interest rates, and other adverse actions. 

Misrepresents my character and payment history, suggesting that I failed to pay debts that never belonged to me. 

Causes significant stress, anxiety, time loss, and emotional distress as I try to clean up damage I did not create. 

I believe the credit bureaus and data furnishers are violating multiple federal consumer-protection laws by failing to properly investigate and block this identity-theft information, including but not limited to : FCRA XXXX ( XXXX U.S.C. XXXX ) Identity theft blocking : failure to promptly block and remove information that resulted from identity theft after receiving my FTC Identity Theft Report and supporting documentation. 

FACTA identity-theft provisions ( including the requirement to block information resulting from identity theft once a proper identity theft report is received ). 

FCRA XXXX ( XXXX U.S.C. XXXX ) Failure to conduct a reasonable reinvestigation of disputed information and to delete or correct inaccurate information. 

FCRA XXXX ( XXXX U.S.C. XXXX ) Furnishers duty to stop reporting information they know or should know is the result of identity theft and is inaccurate, once notified of the dispute and identity theft. 

FCRA XXXX ( XXXX U.S.C. XXXX ) Any unauthorized inquiries and access to my consumer report that were not made for a lawful, permissible purpose. 

Potential FDCPA violations by the collection agencies ( LVNV Funding LLC and XXXX XXXX XXXX ) for attempting to collect debts that do not belong to me, continuing collection after identity-theft notice, and misrepresenting the character, amount, and legal status of the alleged debts. 

I am asking the CFPB to step in because my own attempts to fix this directly through the credit bureaus and the collection agencies have not resulted in the complete and permanent removal of this fraudulent information. The accounts, addresses, and inquiries listed above are not mine and should never have been associated with my name or Social Security number. 

I am a victim of XXXX XXXX  and simply want my credit reports to accurately reflect my true credit history, not the actions of whoever stole and misused my personal information.

Company response to consumer: Closed with explanation