Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Information Discover Account # XXXX and XXXX  XXXX Account # XXXX Dear XXXX  Consumer Dispute Center, I am writing to address several items on my credit report that require validation and correction, as mandated by 15 U.S. Code 1681a. Upon reviewing my credit report, I have identified multiple debts that lack proper verification and contain inaccurate information. I kindly request your assistance in resolving these issues promptly.

As per the Fair Credit Reporting Act ( FCRA ), it is essential for consumer reporting agencies to ensure the maximum possible accuracy of the information presented in credit reports. In light of this requirement, I am exercising my rights under the FCRA to request the method of verification for the following items on my credit report : XXXX Account # XXXX and XXXX  XXXX Account # XXXX, both of which are currently in collections and contain significant inaccuracies. 
I formally dispute the following inaccuracies : XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. 
Last Activity Date : The reported last activity dates are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Last Payment Date : The reported last payment dates are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. 
Balance : The reported balances are incorrect. The accurate balances are {$1000.00} and {$700.00}. 

XXXX XXXX Account # XXXX : Opened Date : The reported opening dates are incorrect. The accurate opening dates are XX/XX/XXXX and XX/XX/XXXX. 
Last Activity Date : The reported last activity dates are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Last Payment Date : The reported last payment dates are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. 
Balance : The reported balance is incorrect. The accurate balance is {$880.00}. 

Verification Requirements I kindly request that you provide me with the method of verification for each of these items. The verification process should include detailed documentation that establishes the legitimacy and accuracy of these debts. This includes but is not limited to : Proof of the original creditor 's identity, including their name, contact information, and any relevant account details.

Comprehensive account statements, clearly indicating all transactions and payments associated with each debt. 
Documentation supporting the transfer of ownership or authorization to collect these debts, if applicable. 
Confirmation of compliance with all applicable laws and regulations regarding the handling and reporting of consumer debts.

Verification of the reported amounts, including a breakdown of the original debt, any fees, interest charges, or penalties, and an explanation of how these amounts were calculated.

Request for Action Furthermore, I would like to highlight that if you are unable to provide proper verification within the timeframe mandated by the FCRA, I request that you promptly remove these unverified items from my credit report. It is crucial to emphasize that inaccurate and unverified information can have a significant impact on my creditworthiness and financial well-being. 

I kindly request that you respond to this matter in a timely manner, ensuring that all necessary steps are taken to investigate and validate these debts properly. 
Please provide me with written confirmation once the validation process is complete and any necessary corrections or removals have been made to my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving these issues and ensuring the accuracy of my credit report. I trust that you will conduct a thorough investigation and take the appropriate actions to rectify these discrepancies. 
Sincerely,

Company response to consumer: Closed with explanation