Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PALMS CA XXXX To Whom It XXXX Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., regarding inaccurate, incomplete, and unauthorized information currently being reported on my consumer credit file. I am a victim of identity theft and fraudulent activity. Pursuant to FCRA XXXX, you are required to block and remove any information that resulted from identity theft upon proper notice. Any accounts, inquiries, or personal information not directly associated with me must be deleted immediately. IDENTITY INFORMATION CORRECTION Please be advised that the following is my ONLY correct identifying information : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Palms Ca XXXX ___________________________ Date of Birth : XX/XX/year> Employment : XXXX Elm XXXX XXXX Ca XXXX Employment Title : Production Technician Under FCRA XXXX ( b ) and XXXX, you are required to maintain maximum possible accuracy. Therefore, I demand the removal of all other names, aliases, variations, and all addresses that do not exactly match the information listed above. INQUIRIES UNAUTHORIZED ACCESS Under FCRA XXXX, all inquiries must have a permissible purpose. I do not recognize or authorize the majority of inquiries listed on my report. Please provide documented proof of permissible purpose for each inquiry. If such proof can not be provided, they must be removed immediately. I must also state that Ive had identify theft. ACCOUNTS FRAUD / INACCURATE REPORTING I am disputing the following accounts as fraudulent, inaccurate, or unverifiable : XXXX XXXX / XXXX / VT ( Charged Off ) AFFIRM XXXX ( All Accounts Listed ) XXXX XXXX ( Charged Off ) XXXX XXXX XXXX ( Charged Off ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX Under FCRA XXXX, you are required to conduct a reasonable reinvestigation. If these accounts can not be verified with original signed contracts or complete documentation, they must be deleted. Under FCRA XXXX ( a ), furnishers are required to report accurate information. Any reporting of inaccurate balances, dates, or status constitutes a violation. COLLECTION ACCOUNTS Under FCRA XXXX and XXXX, and pursuant to my rights as a consumer, any collection account that can not be fully validated must be removed. Additionally, under XXXX XXXX. XXXX ( FDCPA ), I request validation of these alleged debts. Failure to validate requires immediate deletion. METHOD OF VERIFICATION REQUEST Please provide the following : Method of verification used Name, address, and phone number of the furnisher Copies of all documents used to verify the disputed items Failure to comply with this request constitutes non-compliance with federal law. If these items are not removed, I am prepared to pursue all available remedies under federal law, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under FCRA XXXX and XXXX. You have XXXX days to complete your investigation. Please send me an updated copy of my credit report reflecting these corrections. Sincerely, Sign : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation