Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a debt after being notified by XXXX XXXX XXXX on XX/XX/XXXX that was reported by LVNV Funding LLC on XX/XX/XXXX and asked for verification required by the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts. After two letters, I received correspondence from Resurgent Capital Services of not one but three debts that LVNV has on file. I have yet to receive the proper responses since my first attempt XX/XX/XXXX regarding the aforementioned. On the other hand, I have received what seems to be illegal claims of debt with misinformation included : $ XXXX Plains XXXXXXXX XXXX Origin date : XX/XX/XXXX Charge-off date : XX/XX/XXXX Acquired by LVNV : XX/XX/XXXX Age from acquired date : XXXX years, XXXX  months $ XXXX XXXX XXXX XXXX XXXX XXXX 
Origin date : XX/XX/XXXX Charge-off date : XX/XX/XXXX Acquired by LVNV : XX/XX/XXXX Age from aquired date : XXXX  years, XXXX months ( neither of the two can be collected upon due to age so there wasn't a need for notification ) $ XXXX XXXX XXXX XXXX  XXXX XXXX 
Origin date : XX/XX/XXXX Charge-off date : XX/XX/XXXX Acquired by LVNV : XX/XX/XXXX Age from acquired date : XXXX years, XXXX months The requested payment for {$720.00} was charged off which closed the account and the debt was written off. LVNV acquired this information without my written and signed off consent. I not only don't know this company. I have never had nor acknowledge having business with LVNV or its affiliates to have accrued or owe any debts. As stated by Resurgent Capital Services : This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. The law limits how long you can be sued on a det. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original debtor. The original debtor wrote these debts off. 

The following address is listed as a reported residence when I only receive mail there to have a safe place to receive correspondence : XXXX XXXX XXXX, XXXX, GA XXXX. Again, I DO NOT LIVE THERE. This has been stated twice. I've also asked for full account numbers and proof by signature that I had accounts or gave permission to have my information with LVNV Funding LLC which wasn't provided. 

Furthermore, with the acquired date of XX/XX/XXXX for {$720.00}, it wasnt posted to my credit report until XX/XX/XXXX making it XXXX years and XXXX months that its never was reported but now shows up as a new debt. As it is still showing on my credit reports and as requested, by right, should not be reported. I've asked them to contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. There also seems to be interest or fees while still attempting to collect this debt and reporting misinformation violates the Fair Credit Reporting Act 1681s-2. 

I've sent letters certified to LVNV, Federal Trade Commission- Consumer Response Center and New York City Department of Consumer Affairs and was redirected to GA Attorney Generals Consumer Protection Divsion.

Company response to consumer: Closed with explanation