Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services They responded to XXXX If you look at the documentation on XX/XX/2021 I disputed the debt. 

First, I explained it was incorrect information on my credit report because it did not have the correct SSN, the correct address, please provide a copy of the online contract I signed with my electronic signature. 

Second, this company shows they only sent me a copy of bills which does not validate debt. This is shown XXXX. All debt must be validated according different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

ReSurgent violated this Debt Validation 15 U.S. Code 1692g Validation of debt by sending me a bill. They did not send a letter as such until I came through this agency and according to the law it was well after the 30 days of my request for Debt Validation. 

The letter they sent was not to the address shown on the XXXX XXXXXXXX XXXX XXXX. bill XXXX. Which further prompted me to place a report in with CFPB. Then Resurgent Capial Services sent in a correct validation letter after the 30 day request made. This is a violation.

This is a Request for Resurgent to provide an electronic signature. A copy of my XXXX, XXXX, and or proof outside of fraudently bills this credit card account belongs to me. According to Resurgent they represent XXXX XXXX XXXXXXXX XXXX. They should be able to access the XXXX and or the Electronic Signature of this account which is simply not mine. All bills are showing an address which does not belong to me. 

I never had a credit card with XXXX XXXXXXXX XXXX XXXXXXXX. 
I never authorized anyone to open a XXXX XXXX in my name with XXXX XXXX XXXX XXXXXXXX. 
I never received a notice to collect a debt from Resurgent within a 10 day time period or a 30 day time period. 
If the debt is charged off this means XXXX XXXXXXXX XXXX  XXXX. XXXX no longer exist. 
I have never signed a XXXX XXXX with XXXX XXXX XXXX  XXXX. nor Resurgent. Nor have I agreed to have my personal information shared. 

Again, this is not my account. Resurgent sent bills to all three credit bureaus showing a fake address and not validating. This debt must be removed from my Consumer Report it is not mine. 

If the account Originated within XXXX where is the signed contract or electronic signature or bills for those dates? No evidence has been presented which validates I created this account. 

Pay close attention at the address : Sent on XXXX and XXXX how is it possible for me to live in two locations within months apart of each other?

Company response to consumer: Closed with explanation