Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice UCC1-308 Void where prohibited by law C/O XXXX XXXX XXXX XXXX, TX [ XXXX ] XX/XX/XXXXXXXX  TO XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , L.P . 
LVNV Funding LLC RE : FRAUDULENT CREATION AND MANUFACTURE OF ACCOUNT Alleged Account : XXXX XXXX XXXX. ( Purported Balance {$6500.00} ) NOTICE OF FRAUDULENT ACCOUNT MANUFACTURE This letter serves as formal notice that the communications I have received from your companies establish a pattern of fraudulent conduct. 

- On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX issued a collection letter alleging I owed {$6500.00} to XXXX XXXX XXXX. 

- On XX/XX/XXXX, Resurgent Capital Services claimed that XXXX XXXX sold the same account to LVNV Funding LLC, who is now the alleged owner. 

These conflicting claims are irreconcilable. How can two separate debt collectors pursue the same alleged balance from the same company if only one party has standing? The only logical conclusion is that : XXXX. XXXX XXXX XXXX obtained my personal data, whether through a data breach or other unknown sources. 
2. That data was then transferred, sold, or shared, UNLAWFULLY, to LVNV Funding LLC/Resurgent Capital Services . 
3. LVNV then manufactured a debt account internally using my personal identifiers, assigning a fabricated balance without any underlying contract, proof of ownership, chain of title, or forward flow agreement.

FRAUDULENT PRACTICES This conduct violates federal and state law, including but not limited to : - FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt.

- FDCPA, 15 U.S.C. 1692e ( 10 ) : Use of any false, deceptive, or misleading representation in connection with the collection of any debt.

- FCRA, 15 U.S.C. 1681s-2 : Prohibition against furnishing inaccurate or unverifiable information to credit reporting agencies.

- Texas Finance Code 392.304 ( a ) ( 8 ) & ( 19 ) : Misrepresentation of the amount or character of a consumer debt and use of false representation in debt collection.

- Mail and Wire Fraud, 18 U.S.C. 1341, 1343 : Use of interstate commerce to perpetuate fraudulent schemes.

FRAUDULENT ACCOUNT DECLARATION For the record : I have never had an account with XXXX  XXXX, XXXX XXXX XXXX, Resurgent Capital Services, or LVNV Funding LLC. This account exists only in your offices, fabricated from data unlawfully acquired and processed. 

Any attempt to collect on this manufactured obligation is an act of fraud. 

DEMANDS 1. Immediately cease all collection activity on this fabricated account.
2. Provide documentary proof of ownership, including chain of title, assignment, forward flow agreement, and wet-ink contract.

3. Delete any and all tradelines or credit bureau reporting tied to this manufactured account.

4. Provide written confirmation that no further use or sale of my personal data will occur. 

Failure to comply will result in immediate complaints to the SEC, and Texas Attorney General, along with civil action seeking statutory damages under 15 U.S.C. 1692k and Texas Finance Code 392.403.

Respectfully, XXXX XXXX XXXX, XXXX Beneficiary All Rights Reserved Without Prejudice UCC

Company response to consumer: Closed with explanation