Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
To LVNV FUNDING LLC In Re : Consumer Financial Protection Bureau complaint ID XXXX I want to address the unauthorized account you have listed under my name. It's imperative to clarify that the account statement, balance, or similar documentation provided by your company does not constitute a legally binding contract between us. Therefore, you have no legal rights to contact me for any form of payment, as I have no legally binding obligation with your company. 

In light of the information you have recently sent, I am reiterating my request for you to cease and desist all contact with me, unless it pertains to the deletion of this unauthorized account ( s ). You have 15 days, if you are unable to produce a signed, legally binding agreement between us and ( not without this ether ) verify the accuracy of all information provided, then it is imperative that you delete the account from your records. With deletion letter ( s ) sent to me at the address above. 

I want to emphasize that I have no knowledge of your company, nor have I entered into any agreements or contracts that would obligate me to pay you. This letter serves as my final attempt to resolve this matter amicably before considering legal action. 

Furthermore, in response to my previous request, I demand that you delete the alleged account since you have failed to validate it. I specifically requested validation, not verification ( WHICH YOU CLEARLY STATED THATS WHA YOU PROVIDED ), and your failure to comply is unacceptable. My message and intentions in previous complaint were straight forward and couldnt of been misconstrued as frivolous. Additionally, I notice that you are now reporting new information, which further undermines your credibility. If I have already disputed the accuracy of this information, you should have conducted a thorough investigation before reporting it. 

I insist that you report these accounts to the credit bureaus as disputed and under litigation, as I am pursuing legal action to resolve this matter. This is my last and final attempt to cure outside of litigation, failure to do so will result in further action being taken against your company. 

Do not attempt to justify the verification process by claiming, it was addressed to XXXX XXXX, therefor you didnt need to follow the request for validation. It is evident that debt is continuously sold between entities, but that does not absolve your responsibility to provide validation for this debt. My request was for validation, not verification, and your response, or lack thereof, is a clear indication of that. you can not continue to harm my consumer report with ALLEGATIONS THAT LACK PROOF! Not to mention the violations in connection with communication of a debt collector, and keep proving violations akin! 

Your actions are damaging my consumer report, credibility, and overall financial standing. I demand that you remove all information pertaining to me, as I have confidence that you will not provide the requested validation. TAKE THESE LAST WORDS INTO CONSIDERATION ( I AM NOT YOUR CUSTOMER! ) ALLEDGED ACCOUNTS ( Account XXXX ) ( Account XXXX )

Company response to consumer: Closed with explanation