Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Resurgent Capital Services is attempting to collect a debt in which I do not owe. I have already reported this to the debt collector. They are attempting to collect a debt for LVNV Funding. Reference ID XXXX in the amount of {$1400.00} I sent in a dispute message to this merchant via their website, and I explained that I have never conducted business with XXXX XXXX XXXX. I do not own any XXXX XXXX XXXX  Credit cards. Resurgent told me they denied my Identity Theft Claim, and provided a copy of a statement which they changed to my address on the statement. Again, I have never applied for any credit cards with XXXX XXXX XXXX. The balance is fraudulent, the whole account is fraudulent. The Application was fraudulent. However Resurgent believes they are entitled to collect on a fraudulent debt. I have extended fraud alerts on my credit files, with XXXX, XXXX and Also XXXX. It states specifically in my credit files that if my credit is pulled. I must be called before any applications can be approved as I am a victim of identity theft. However XXXX XXXX XXXX  went ahead and approved this account. XXXX XXXX XXXX  proceeded to allow a credit card to be sent out to a fraudster. The fraudster then used the credit card, and XXXX XXXX XXXX  advised it was for charges such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a bunch of other charges like XXXX XXXX, and XXXX. I have never conducted any business with these merchants. Like I stated several times to Resurgent and to XXXX XXXX XXXX. I did not apply for this account. I did not receive any credit cards. I did not authorize the account to be opened in the first place, and all credit bureaus have already disputed the account and relevant inquiry as identity fraud / theft. XXXX XXXX XXXX  received a letter from a XXXX XXXX advising them to do the right thing and go ahead and attempt to charge me for it. Like I stated I have never done business with these merchants. I did not sign any applications. They never called me either to clear my extended fraud alerts before approving the applications. I did not make any payments on the account. Any Payments made were from Fraudulent Checking accounts that were opened by the identity thief and these accounts have been shut down due to identity fraud. At this time Resurgent is not conducting a proper investigation. Resurgent believes they are entitled to collect on a fraudulent debt, and Disregards the FCRA Laws for Identity Fraud. 603 ( B ). At this time I believe Resurgent is displaying hostile tactics to collect a debt in which I do not own. Resurgent is not taking my dispute seriously, and Resurgent needs to be investigated into their practices of collecting debts for LVNV Funding. Just because you provide a statement I never received does not mean I authorized said debt. I have not received any credit cards, applications or statements for this account and I have never made a single purchase with this account. I do not owe this debt and I do not own this debt. I want collection efforts to stop immediately. I have a police report attached and FTC Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief