Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX, Plaintiff, XXXX XXXX XXXX XXXXk ( XXXX ), XXXX. and Resurgent Acquisitions, LLC, Defendants. XXXX XXXX. : __________ COMPLAINT FOR DAMAGES AND INJUNCTIVE RELIEF I. INTRODUCTION This action arises under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX. Plaintiff brings this action for unlawful collection activity, fraudulent assignment of an alleged debt, improper disclosure of personal information, and reporting of inaccurate and unverified information. XXXX. JURISDICTION AND VENUE This Court has jurisdiction under XXXX XXXX. XXXX, XXXX, and XXXX, and XXXX XXXX. XXXX. Venue is proper in this district as the XXXX resides here and the violations occurred here. XXXX. XXXX XXXX, XXXX XXXX XXXX, is a natural person and consumer protected under federal law. Defendant, XXXX XXXX XXXX ( XXXX ), XXXX, is a furnisher of credit information and creditor. Defendant, XXXX Acquisitions, XXXX, is a debt collector as defined by XXXX XXXX. XXXX ( XXXX ). IV. XXXX XXXX XXXX discovered a XXXX XXXX account that was fraudulent and under investigation. Plaintiff filed : A XXXX report due to mail fraud An FTC Identity Theft Report Despite knowledge of fraud, XXXX XXXX sold and/or assigned the alleged debt to Resurgent Acquisitions, XXXX. This transfer included Plaintiffs personal identifying information without consent. Resurgent Acquisitions, XXXX attempted to collect on the alleged debt without : A valid contract Proper verification Proof of lawful assignment The account remains disputed and under active fraud investigation. V. CAUSES OF ACTION COUNT I FCRA : FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY ( XXXX U.S.C. XXXX ( b ) ) Defendants reported inaccurate and unverified information. Defendants failed to ensure maximum possible accuracy. COUNT XXXX FCRA : FAILURE TO CONDUCT REASONABLE INVESTIGATION ( XXXX U.S.C. XXXX ) XXXX disputed the account as fraudulent. Defendants failed to conduct a reasonable reinvestigation. XXXX XXXX FCRA : FAILURE TO BLOCK IDENTITY THEFT INFORMATION ( XXXX U.S.C. XXXX ) XXXX submitted an FTC Identity XXXX Report. Defendants failed to block fraudulent information within statutory timeframes. COUNT XXXX FCRA : UNLAWFUL FURNISHING OF INFORMATION ( XXXX U.S.C. XXXX ) XXXX XXXX furnished information it knew or should have known was inaccurate. XXXX XXXX failed to correct and update information after notice of dispute. COUNT V FDCPA : FALSE REPRESENTATION OF DEBT ( XXXX U.S.C. XXXX ) XXXX falsely represented the character, amount, and legal status of the alleged debt. The debt was under investigation and unverified. XXXX VI FDCPA : FAILURE TO VALIDATE DEBT ( XXXX U.S.C. XXXX ) XXXX failed to provide proper validation. No original contract or competent evidence was provided. COUNT XXXX FDCPA : UNFAIR AND UNCONSCIONABLE PRACTICES ( XXXX U.S.C. XXXX ) Attempting to collect a disputed and fraudulent debt constitutes unfair conduct. XXXX without legal standing is unconscionable. COUNT XXXX FDCPA : COMMUNICATION OF FALSE CREDIT INFORMATION ( XXXX U.S.C. XXXX ( XXXX ) ) XXXX communicated disputed information without noting it was disputed. COUNT XXXX TILA : FAILURE TO PROVIDE REQUIRED DISCLOSURES ( XXXX U.S.C. XXXX & XXXX ) Defendants failed to provide material disclosures required under XXXX. No original agreement or disclosure documentation was produced. COUNT X INVASION OF PRIVACY / UNAUTHORIZED DISCLOSURE XXXX XXXX unlawfully disclosed Plaintiffs personal information. This disclosure occurred despite knowledge of fraud and dispute. Such conduct constitutes : Negligence Willful misconduct Violation of federal consumer protection laws VI. DAMAGES Plaintiff has suffered : Damage to credit reputation Emotional distress XXXX harm Loss of credit opportunities XXXX. PRAYER FOR RELIEF WHEREFORE, Plaintiff respectfully requests : A. Actual damages B. Statutory damages under : FCRA ( XXXX U.S.C. XXXX & XXXX ) FDCPA ( XXXX XXXX. XXXX ) TILA ( XXXX XXXX. XXXX ) XXXX Punitive damages XXXX XXXX relief : Removal of all accounts Cease all collection activity XXXX Costs and attorneys fees XXXX Any other relief deemed just and proper XXXX. JURY DEMAND Plaintiff demands trial by jury on all issues so triable. Respectfully submitted, XXXX XXXX XXXX Plaintiff, Pro XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief