Consumer complaint received 2025-08-09 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: NE

Complaint narrative:
Final XXXX XXXX XXXX CFPB Statement Supreme Court Level > XXXX XXXX XXXX has unlawfully inserted a fraudulent tradeline into my locked, frozen, and fraud-alerted credit files in 2024 after their litigation partner LVNV Fundings case was dismissed. This tradeline appeared only because XXXX XXXX XXXX received and used unauthorized personal data from LVNV Funding, constituting unauthorized dissemination under the Fair Credit Reporting Act ( FCRA ) and Nebraska law. 

Worse, XXXX XXXX XXXX has commingled my personal identifiers with data from unrelated individuals, including a Georgia address at which I have never resided, as confirmed by their own evidentiary materials in prior litigation. This conduct has irreparably contaminated my credit history, caused severe reputational harm, and subjected me to ongoing emotional distress and retaliation for exercising my legal rights. 

Violations include, but are not limited to : FCRA 15 U.S.C. 1681b ( unauthorized access ), 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681c-2 ( failure to block identity theft information ).

FDCPA 15 U.S.C. 1692d ( harassment ), 1692e ( false or misleading representations ), 1692f ( unfair practices ). 

Nebraska Consumer Protection Act Neb. Rev. Stat. 59-1602 and 59-1603 ( unfair and deceptive acts ).

ADA & Civil Rights Retaliation, intimidation, and discrimination against a disabled pro se litigant.

Common Law IIED Intentional infliction of XXXX XXXX through knowing, repeated, and outrageous misconduct.

I demand the following permanent relief : 1. Immediate and permanent removal of XXXX XXXX XXXXs tradeline from all credit reporting agencies.

2. Complete purge of all my personal data from XXXX XXXX XXXX systems, backups, and archives, including any commingled or inaccurate data.

3. Written data deletion orders sent to every third party, creditor, law firm, data furnisher, and debt buyer to whom XXXX XXXX XXXX disseminated my personal data, with proof of compliance. 


4. Global cease and desist prohibiting XXXX XXXX XXXX, its attorneys, affiliates, successors, and assigns from contacting me, attempting to collect, litigating, or re-reporting any account involving my personal data whether claimed to be new or existing. 


5. Forensic audit of XXXX XXXX XXXX databases and backups to ensure permanent deletion of my data. 


6. Written certification under penalty of perjury to me and the CFPB that all the above steps have been completed. 


7. An automatic penalty clause stating that any future contact, credit reporting, data reacquisition, or use of my personal information will be treated as willful noncompliance under FCRA, FDCPA, Nebraska law, ADA, and IIED, triggering statutory, compensatory, and punitive damages. 



This relief applies to all accounts, present or future, that involve my personal data in any form. Any attempt to circumvent these restrictions through account reassignment, re-aging, re-labeling, or third-party sale will be treated as a direct violation of this demand. 

XXXX XXXX XXXX  conduct has caused me extreme XXXX, loss of sleep, physical health decline, reputational damage, and financial harm. Given the scale and willfulness of these violations, I require permanent enforcement measures to protect my rights under the FCRA, FDCPA, ADA, the Nebraska Consumer Protection Act, and applicable constitutional protections.

Company response to consumer: Closed with explanation