Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Dispute of Unauthorized Credit Card Debt Due to Data Breach To Whom It May Concern, I am writing to formally dispute the credit card debts associated with my name, as they do not belong to me. I was XXXX of the individuals affected by a recent national database compromise, which led to unauthorized accounts and charges being fraudulently linked to my identity. 

Details of the Incident Date of Data Breach : XXXX XX/XX/XXXX, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) experienced a significant data breach that compromised the personal information of approximately XXXX XXXX individuals, including current and former students, faculty, staff, and applicants. 
XXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Exposed personal information of thousands of customers. Details : A cyberattack led to unauthorized access to customer data, including names, addresses, and financial information. 
XXXXXXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Employee information was compromised. Details : A hacking group known as XXXX claimed responsibility, selling the dataset for around {$1.00} XXXX. XXXX Bank notified a small number of clients at the time of the breach. 
XXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Exposed personal information of over XXXX XXXX customers. Details : A former employee of XXXX XXXX XXXX exploited a misconfigured firewall to access sensitive data, including names, addresses, credit scores, and social security numbers. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Impact : Sensitive customer information was exposed. Details : A third-party vendor experienced a data breach, leading to the exposure of customer data. XXXX XXXX XXXX took immediate action to mitigate the impact and notified affected customers. 
XXXX XXXX  Data Breach Date : XX/XX/XXXX Impact : Exposed personal information of XXXX XXXX customers. Details : Hackers accessed data including names, billing addresses, email addresses, phone numbers, dates of birth, XXXX  account numbers, and service plan details. 

XXXX XXXX has experienced several data breaches in recent years, primarily due to internal mishandling of customer information. 
XX/XX/XXXX XXXX XXXX XXXX employee mishandled customer information by sending sensitive data to a personal account, violating company policy. The bank took disciplinary action against the employee, updated security measures, and began monitoring affected accounts for anomalies. 
XX/XX/XXXX XXXX XXXX XXXX former employee emailed files containing sensitive customer information, including names, addresses, dates of birth, email addresses, and Social Security numbers, to unauthorized recipients. The breach was reported to state Attorney Generals offices across the United States in XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX former employee unlawfully accessed customer information for fraudulent purposes. XXXX XXXX filed a formal notice with the Attorney General of Vermont and took immediate action to protect clients and mitigate risks. 
Details of the XXXX : XXXX and XXXX : The breach was detected in XX/XX/XXXX, but it is believed to have begun in XX/XX/XXXX, allowing unauthorized access to the database over several months. Compromised Data : The exposed information may have included names, addresses, Social Security numbers, and birth dates. 
In XX/XX/XXXX, XXXX XXXX experienced a significant data breach that compromised the personal information of approximately XXXX XXXX individuals in the United States and XXXX XXXX in XXXX. The breach was perpetrated by XXXX XXXX XXXX, a former XXXX XXXX XXXX ( XXXX ) employee, who exploited a misconfigured firewall in XXXX XXXXXXXX XXXX XXXX infrastructure to access sensitive data. 

XXXX XXXX XXXX In XX/XX/XXXX, XXXX experienced a data breach where hackers accessed over XXXX customer records. The breach was due to vulnerabilities in the bank 's web application and XXXX, specifically through parameter tampering. 



XXXX XXXX XXXX In XX/XX/XXXX, XXXX reported a security incident involving unauthorized access to customer records, exposing sensitive information. Attackers exploited a vulnerability in the bank 's web systems, taking advantage of a flaw. 

Details of the Breach : Date of Discovery : XX/XX/XXXX Data Compromised : Names, addresses, dates of birth, credit scores, credit limits, balances, payment history, and contact information. Additionally, approximately XXXX Social Security numbers and XXXX linked bank account numbers were exposed. 

Cause : The breach was attributed to a vulnerability in a web application that allowed unauthorized access to the central database. 

Unauthorized Debt Amount : XXXX XXXX XXXX Opened XXXX {$120.00} LVNV FUNDING LLC Opened XXXX {$810.00} XXXX XXXX  Opened XXXX {$860.00} LVNV FUNDING LLC Opened XXXX {$1500.00} LVNV FUNDING LLC Opened XXXX {$2200.00} LVNV FUNDING LLC Opened XXXX {$2700.00} XXXX XXXX Opened XXXX {$3200.00} If you have a collection - **Date XXXX If you have a collection Actions Taken : Filed Complaint with CFPB I immediately contacted you CFPB to report the fraudulent charges. 
No fraud alert was placed on my credit reports with the major credit bureaus to prevent further unauthorized activity. 

Despite these efforts, this debt remains incorrectly associated with my name. I request that this matter be thoroughly investigated, and the fraudulent accounts or charges be removed from my record. Please provide a written confirmation of the outcome of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation