Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am reporting ongoing and widespread identity theft involving my personal information, including my name, Social Security number, and address history. I have not opened or authorized any of the following accounts. These were created without my knowledge or consent, and many appear to use a falsified nameXXXX XXXX XXXX is not and has never been my legal name. 

This identity misuse appears to be tied to my estranged husband, XXXX XXXX XXXX, who has used my identity to obtain credit, auto insurance, and bank access for years while I was a stay-at-home mother with no financial autonomy. I have since fled XXXX XXXX XXXX for my safety. 

Fraudulent Accounts and Activity : XXXX XXXXXXXX XXXX XXXX {$1700.00} collection opened XX/XX/XXXX I did not open or use this account. 
Listed under XXXX XXXX XXXX with no payment history I recognize. 
XXXX. XXXX XXXX XXXX XXXX XXXX Opened under the name XXXX XXXX XXXX, which I have never used. 
Account ending in XXXX, opened XX/XX/XXXX Address listed : XXXX XXXX XXXX XXXX  I have not lived there since XXXX XXXX. XXXX XXXX XXXX ending in XXXX I received email notices and dispute activity regarding this card, despite never opening it.

My name appears on the account as an authorized user, which I never approved.

The account is now closed, but still appears on my credit with a negative balance. 
XXXX. XXXX XXXX XXXX XXXX {$260.00} I do not recognize this account. Likely connected to other fraudulent activity. 
XXXX. XXXX XXXX XXXX ( XXXX ) My information was leaked in this breach and now appears on dark web scans.

May have contributed to the synthetic identity creation of XXXX XXXX XXXX. 



What I Am Requesting : Formal investigation and removal of all fraudulent accounts listed above. 
Removal of XXXX XXXX XXXX and any variations from my credit file.

Flagging of my SSN with fraud alerts and identity theft notices.

Reopening or escalation of my FTC Identity Theft Report.

Confirmation of steps taken to prevent further misuse.

I am fearful for my safety and financial future. These accounts were not opened by me, and I have never applied for a credit card as an adult. I am requesting that this matter be taken seriously and handled as a priority.

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or online submission at www.consumerfinance.gov/complaint Subject : Identity Theft and Fraud Complaint Unauthorized Accounts and Credit Reporting Errors Dear CFPB Team, I am writing to file a formal complaint regarding extensive identity theft, fraudulent accounts, and improper credit reporting that has severely impacted my financial standing and personal safety. 

I am XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) and currently reside in XXXX, XXXX. I am a victim of ongoing identity theft perpetrated primarily by my estranged husband, XXXX XXXX XXXX, who has fraudulently used my personal information including my Social Security number since as early as XXXX. 

Despite my efforts to dispute and report these fraudulent activities to creditors and credit bureaus, I continue to face unresolved fraudulent accounts and inaccurate credit reporting. Some of the key fraudulent accounts include : XXXX XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXX  ( ending in XXXX ) Multiple collection accounts through XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others Unauthorized XXXX XXXX XXXX policy opened in my name Accounts and aliases under the name XXXX XXXX XXXX which I never authorized I have filed police reports, including XXXX Police Department report number XXXX, and disputed these accounts with the credit bureaus and creditors directly. However, the ongoing fraud and credit damage persist, affecting my ability to work, rent housing, and live safely.

Additionally, I fear further retaliation and misuse of my identity by XXXX and potentially corrupt law enforcement actors in XXXX, complicating my efforts to protect myself.

I request the CFPBs assistance to : Investigate the unresolved fraudulent accounts and reporting errors Ensure that all fraudulent information is removed or marked as disputed on my credit reports Support my rights as a victim of identity theft under the Fair Credit Reporting Act ( FCRA ) Provide guidance on further steps to protect my identity and credit profile Please find attached copies of my police report, identity theft affidavit, credit reports, and correspondence with creditors.

Thank you for your attention and assistance with this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation