Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXXLVNV Funding LLC XXXX Resurgent Capital Services L.P.**** XXXX : Response to CFPB Inquiry Response Account Numbers Ending in XXXX and XXXX To Whom It May Concern, I am writing in response to your letter dated ( XX/XX/year>2024 ), regarding my inquiry through the Consumer Financial Protection Bureau XXXX CFPB ). I would like to clarify that your response does not adequately address my concerns, nor does it provide accurate information or proper validation of the alleged debts. 

XXXX. Inaccuracies and Lack of Action : Your letter claims to have verified and reported the accounts accurately. However, the following inaccuracies and unresolved issues remain : * * * I have repeatedly stated that I have no knowledge of these accounts and that they are included in my FTC Identity Theft Report as fraudulent. 
No original account agreements or sufficient documentation proving the validity of these debts have been provided. Simply supplying account summaries and billing statements does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). 
* * * Despite being informed of the identity theft claim, no action has been taken to cease reporting or properly investigate the accounts. 
XXXX. FTC Identity Theft Report and Fraudulent Accounts : Both accounts were included in my FTC Identity Theft Report, which was previously provided to you. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to : * * Cease collection efforts and reporting of these fraudulent accounts. 
Conduct a thorough investigation considering the identity theft claim, not merely a review of your internal records. 
XXXX. Failure to Verify Debt Properly : Your response mentions verification under FDCPA Section 809 ; however, you failed to provide the necessary proof that I am responsible for these accounts. Verification requires more than a statement of the debts existence. You must provide : * * Proof of the original contract with my signature. 
Documentation showing my authorization or involvement in the transactions related to these accounts. 
* * * XXXX. Continued Reporting Despite Dispute and Identity Theft Claim : You continue to report these accounts as disputed but fail to acknowledge that they are linked to identity theft, which should prompt their removal. Reporting fraudulent accounts as merely disputed is misleading and violates the FCRAs accuracy requirements. 

*We Are Currently in litigation With XXXX and XXXX for False Investigations* *We Are Currently in litigation With XXXX and XXXX for False Investigations* * * Demand for Immediate Action : I demand the immediate removal of the accounts ending in XXXX and XXXX from all credit reporting agencies due to their fraudulent nature. 
I request written confirmation of the removal within XXXX  days of receiving this letter. 
If you fail to comply, I will escalate this matter with the CFPB, FTC, and my states Attorney General, as well as consider legal action for damages resulting from your continued inaccurate reporting. 
I expect a prompt and accurate resolution to this matter. Please take this issue seriously, as failure to investigate and resolve fraudulent claims is a serious violation of my consumer rights. 

*We Are Currently in litigation With XXXX and XXXX for False Investigations* Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief