Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12734154
Complaint Overview
Complaint ID: 12734154
Company: Resurgent Capital Services L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 23185
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at LVNV FUNDING LLC dated on XX/XX/year>. Account number : ( XXXX ). I demand their Certification Of Participation in full disclosure. This account has already been paid and closed with offer to contract is returned to them in good faith under Regulation Z per XXXX XXXX Debt Collections Practices Act. I expect anyone who responds to this, must respond under penalties of perjury per 28 U.S. Code Subsection 1746. I already attached is a money order in consideration for my offer to contract. Silence is acquiescence XXXX XXXX XXXX & UCC XXXX XXXX TENDER OF PAYMENT. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Frequently Asked Questions
What is Complaint #12734154 about?
Complaint #12734154 was filed against Resurgent Capital Services L.P. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Resurgent Capital Services L.P.?
Yes, visit the Resurgent Capital Services L.P. company profile at readthecomplaint.com/company/resurgent-capital-services-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.