Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
I am filing this complaint against LVNV Funding, and the consumer reporting agencies XXXX XXXX XXXX XXXX for inaccurate credit reporting, reinsertion of fraudulent accounts, and violations of the Fair Credit Reporting Act ( FCRA ). The accounts at issue were opened fraudulently in XXXX to XXXX while I was XXXX in XXXX XXXX from late XXXX through the XXXX I did not apply for, authorize, use, or benefit from these accounts. Due to my XXXX, it was impossible for me to legally or physically open these accounts. Despite this LVNV reported the account as collections with derogatory remarks, late payment history, and hard inquiries, causing severe damage to my credit score. I disputed these accounts multiple times directly with XXXX XXXX XXXX XXXX clearly identifying them as fraudulent. The credit bureaus completed their investigations and informed me that the disputes were resolved in my favor and that the accounts would be deleted. Although the accounts were temporarily removed, they were later reinserted and continued to report negative information. In some instances, the accounts are inaccurately shown as open or active, and in others they are listed as deleted while still reporting late payments, derogatory comments, and inquiries. Reporting negative payment history, derogatory remarks, or inquiries for accounts that were confirmed as fraudulent and deleted is inaccurate, misleading, and unlawful. Reinsertion without proper notice or certification of accuracy violates the Fair Credit Reporting Act. I am requesting the immediate and permanent deletion of all the LVNV related accounts, collections, inquiries, late payments, and derogatory remarks from XXXX XXXX XXXX XXXX. I am also requesting written documentation showing how these accounts were verified after previously being deleted as fraudulent, and confirmation that reinsertion will not occur again without lawful verification. Here are the section numbers I feel they have violated 15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681c ( a ) Prohibits reporting inaccurate or misleading information. 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation when a consumer disputes inaccurate information. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion or correction of information found to be inaccurate or unverifiable. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion is prohibited unless the furnisher certifies the information is complete and accurate AND the consumer is notified in writing. I would like to ask kindly that you all take into consideration that I was truly and honestly XXXX in XXXX XXXX last XXXX years and i will provide XXXX court documents whe i got XXXX and original length before any XXXX XXXX and also the FTC THEFT REPORT WILL BE INSIDE PLEASE READ THEM AND I CIRCLED THE DATES AND THEY ARE ORIGINAL COPY 'S ... I AM ON MY OWN AS Single FATHER RAISING XXXX YR OLD AND I HAVE RAISED MY CREDIT SCORE FROM XXXX TO XXXX AND Company 's WILL STILL BE VERY TIMID WITH ME BECAUSE OF ACCOUNT From XXXX, XXXX, RESURGENT, PLEASE HELP A YOUNG MAN ABOUT CHANGE.

Company response to consumer: Closed with non-monetary relief