Consumer complaint received 2024-11-18 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/XXXX VIA CFPB COMPLAINT XXXX & XXXX MAIL Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX www.consumerfinance.gov/complaint Re : Consolidated Identity Theft Block Request- All Consumer Reporting Agencies Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) FTC Identity XXXX Report # : XXXX Prior Report Reference # : XXXX AFFECTED CONSUMER REPORTING AGENCIES : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ) Dear CFPB XXXX : I am submitting this consolidated identity theft block request pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ) and implementing regulations at XXXX C.F.R. XXXX. I request the CFPB forward this package to all affected XXXX XXXX Agencies ( CRAs ) listed above. 

LEGAL AUTHORITY FOR CONSOLIDATED SUBMISSION : XXXX. Federal Statutes : - FCRA XXXX ( XXXX ) [ 15 U.S.C. 1681s ( e ) ] - CFPB coordination authority - 12 U.S.C. 5493 ( b ) ( 3 ) ( A ) - CFPB complaint database requirements- 12 U.S.C. 5534 - Multiple agency coordination - Dodd-Frank Act XXXX ( b ) ( XXXX ) - Consumer complaint routing XXXX. XXXX Regulations : - XXXX C.F.R. XXXX - CFPB coordination requirements- XXXX C.F.R. XXXX - Identity theft definitions- XXXX C.F.R. XXXX - Reasonable investigation requirements- XXXX C.F.R. XXXX - Direct dispute requirements XXXX. XXXX XXXX XXXX : - XXXX. XXXX XXXX. XXXX - Identity theft protection- XXXX. XXXX XXXX. XXXX - Identity theft criminal provisions- XXXX. XXXX XXXX. XXXX ( XXXX ) ( XXXX ) - Unfair trade practices- XXXX. XXXX XXXX. XXXX - Trademark and name protection XXXX. IDENTIFICATION AND VERIFICATION Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX. IDENTITY THEFT AND UNAUTHORIZED USE OF NAME The FTC Identity Theft Report # XXXX confirms unauthorized accounts opened using variations of my legally protected name. My sole legal name is " XXXX XXXX XXXX XXXX '' as established by : XXXX. Government-Issued Documentation : - Mississippi Driver XXXX License - Social Security card - Certified birth certificate XXXX. Legal Filings : - XXXX filing # XXXX establishing legal name - Court dismissal with prejudice ( XXXX XXXX. XXXX Page XXXX ) XXXX. Protected Status : - Registered name under XXXX. XXXX XXXX. XXXX - XXXX Lien on XXXX assets of XXXX XXXX XXXX XXXX XXXX XXXX law trademark rights in personal name XXXX. PRIOR XXXX REQUEST AND IMPROPER REVERIFICATION On XX/XX/XXXX, I submitted a XXXX identity theft block request ( FTC Report # XXXX ). The furnishers improperly revalidated these accounts in violation of multiple FCRA provisions : A. Violations in Initial Revalidation : XXXX. FCRA Statutory Violations : - 623 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ] - Duty to correct - 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] - Accuracy/completeness - 623 ( a ) ( 8 ) ( E ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ] - Investigation requirements- 615 ( f ) [ 15 U.S.C. 1681m ( f ) ] - Identity theft debt restrictions 2. Regulatory Violations : - 12 C.F.R. 1022.42 - Reasonable investigation requirements- 12 C.F.R. 1022.43 - Direct dispute obligations- XXXX C.F.R. XXXX - Identity theft victim protections B. Evidence of Improper Revalidation : XXXX. XXXX Report ( XX/XX/XXXX ) : - " Account information disputed by consumer ( Meets requirement of FCRA ) '' - Revalidation despite valid 605B request and identity documentation - Continued reporting of unauthorized name variations XXXX. XXXX Report ( XX/XX/XXXX ) : - Similar improper revalidation pattern - Refusal to block despite court dismissal - Sharing of disputed information XXXX. Pattern of XXXX : - Systematic revalidation across multiple CRAs - Failure to conduct reasonable investigation - Disregard of court order and prior disputes XXXX. ACCOUNTS REQUIRING IMMEDIATE BLOCK The following accounts appear under unauthorized name variations " XXXX XXXX '' or similar derivatives and must be blocked pursuant to FCRA XXXX : A. Collection/Charged-Off Accounts : XXXX. LVNV FUNDING LLC # XXXX - Original creditor : XXXX XXXX - Unauthorized name variation used - No valid contract with legal name XXXX. LVNV FUNDING LLC # XXXX - Original creditor : CREDIT XXXX BANK - Court dismissal with prejudice - Case No. XXXX XXXX XXXX XXXX. XXXX # XXXX - Charged off amount : {$710.00} - Unauthorized name variation - No valid authorization XXXX. XXXX # XXXX - Charged off amount : {$440.00} - Identity theft reported - No valid documentation XXXX. XXXX XXXX # XXXX - XXXX days late notation - Unauthorized name use - Invalid contract XXXX. XXXX  # XXXX - Charged off status - Identity theft basis - No authorization XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX # XXXX - XXXX days late notation - Unauthorized name variation - No valid contract XXXX. EXTRA # xxxx # # - 30 days late notation - Identity theft basis - Invalid authorization XXXX. XXXX XXXX OF XXXX # XXXX - Collection notations- Unauthorized name use - No valid documentation XXXX. XXXX XXXX OF XXXX # XXXX - Collection notations- Identity theft reported - Invalid contract XXXX. XXXX BANK XXXX # XXXX - Closed status - Unauthorized variation - No authorization V. XXXX XXXX XXXX XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the CRAs must block this information because : XXXX XXXX Requirements XXXX : XXXX. Identity Documentation : - Valid government ID provided - Social Security verification - Birth certificate confirmation XXXX. Identity Theft Report : - FTC Report # XXXX filed - Prior Report # XXXX reference - Law enforcement documentation XXXX. XXXX XXXX : - Dismissal with prejudice - XXXX XXXX. XXXX XXXX XXXX - XXXX determination XXXX. Supporting Elements : - No valid transactions - Unauthorized name use - Pattern of violations XXXX. XXXX XXXX : 1. 12 C.F.R. 1022.3 : - Proper submission format - Required documentation - Timely notification XXXX. XXXX XXXX. XXXX : - Identity theft victim status - Protected categories- Blocking requirements XXXX. State Law Requirements : - XXXX. XXXX XXXX. XXXX- XXXX. XXXX XXXX. XXXX - Common law protections VI. LEGAL VIOLATIONS BY XXXX AND FURNISHERS A. Federal Violations : XXXX. FCRA Violations : - 605B blocking requirements- 623 ( a ) ( 1 ) ( B ) accuracy duties- 623 ( a ) ( 2 ) correction obligations- 623 ( a ) ( 8 ) ( E ) investigation requirements- 615 ( f ) identity theft restrictions 2. FTC Act Violations : - 15 U.S.C. 45 ( a ) - Unfair practices- 16 C.F.R. 603.2 - Identity protection - Systematic disregard of rights 3. CFPB Violations : - 12 U.S.C. 5531 - UDAAP violations- 12 C.F.R. 1022.42-43 - Investigation failures - Pattern of non-compliance B. State Law Violations : XXXX. Mississippi XXXX XXXX : - XXXX. XXXX XXXX. XXXX ( XXXX ) ( XXXX ) - XXXX. XXXX XXXX. XXXX - Common law fraud XXXX. Identity Theft Provisions : - XXXX. XXXX XXXX. XXXX - Criminal law implications- Civil remedies XXXX. Name XXXX : - XXXX. XXXX XXXX. XXXX - Common law rights - Trademark protection XXXX. DAMAGES AND REMEDIES A. Statutory Damages : XXXX. Federal Damages : - FCRA statutory damages - Actual damages- Punitive damages- Attorney fees XXXX. State Damages : - XXXX. XXXX XXXX. XXXX remedies - Common law damages- Punitive awards XXXX XXXX XXXX : XXXX. Blocking Requirements : - XXXX removal- XXXX of XXXX - XXXX to furnishers XXXX. Corrective Actions : - System updates - Policy changes - Staff training XXXX. CERTIFICATION I declare under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 that : 1. All accounts listed above appear under unauthorized name variations 2. A court has dismissed collection attempts on these accounts XXXX. I have not conducted any transactions related to these accounts XXXX. The information provided in this request is true and accurate Executed on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : XXXX. Required Documentation : - FTC Identity Theft Report # XXXX - Prior FTC Report # XXXX - Driver 's License copy - Social Security card copy ( redacted ) - Birth certificate copy XXXX. Legal Documentation : - Abstract of Judgment ( dismissal with prejudice ) - XXXX Filing # XXXX - Credit report excerpts showing violations - Prior dispute documentation - Revalidation evidence CC : - Office of Attorney General - Mississippi XXXX Federal Trade Commission - Identity Theft Division - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Mississippi Department XXXX Banking and XXXX XXXX NOTICE OF PRESERVATION OF RIGHTS : This request does not waive any rights regarding unauthorized use of my name, identity theft, unfair collection practices, or any other legal claims. All rights are explicitly preserved under federal and state law.

Company response to consumer: Closed with explanation