Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
SECOND COMPLAINT : Response to XXXX XXXX ; CFPB Case # : XXXX Reference Numbers : XXXX, XXXX I am writing to formally dispute the validity of the debt assigned to Resurgent Capital Services and to notify you that I am a victim of identity theft. The following legal provisions support my claim : 1. Unauthorized Sale or Transfer of Debt Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a creditor is not permitted to sell or transfer my debt without my consent unless it is in accordance with specific legal and contractual provisions. I have reviewed my original agreement with the creditor, and at no point did I provide explicit authorization for my debt to be transferred or sold to Resurgent Capital Services. If Resurgent Capital Services is unable to provide documentation proving my explicit consent, I demand that this debt be removed from my credit file immediately. 
2. Identity Theft and Data Breach Considerations Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), a debt collector must cease collection efforts when notified of identity theft. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), a consumer has the right to block fraudulent information resulting from identity theft from appearing on their credit report. 
I have reason to believe that my personal information has been compromised due to a data breach, with my details found on the dark web, including my banking information. As a result, I can not verify the legitimacy of this debt. I request that Resurgent Capital Services acknowledge that I am a victim of identity theft and cease all collection efforts. 
XXXX. Payment Made Under Duress I have made payments to Resurgent Capital Services solely to prevent negative credit reporting and to avoid late fees. However, upon learning that my identity was compromised, I have determined that I should not be held responsible for this debt. Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1666 ), I have the right to dispute fraudulent charges and demand that any unlawful reporting of this debt be corrected.

Request for Immediate Action Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that : 1. Resurgent Capital Services immediately cease all collection activities related to this disputed debt.

2. Resurgent Capital Services provide verifiable proof that I explicitly authorized the transfer of my debt from the original creditor. 
3. All reporting of this debt to credit bureaus be corrected to reflect its disputed status, and if necessary, removed under the identity theft provisions of the FCRA. 
Failure to comply with these legal obligations may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
I expect a written response within 30 days, as required by law. Please direct all correspondence to my address listed above.

Company response to consumer: Closed with non-monetary relief