Absolute Resolutions corp.

Although XXXX clarified that the underlying XXXX XXXX account originated in XXXX and charged off in XXXX, the collection tradeline continues to display a Date Opened of XX/XX/XXXX. This reporting materially misrepresents the age and recency of the debt and makes the account appear newer than the underlying delinquency. In addition, collection activity involved both Absolute Resolutions Investments LLC and XXXX XXXX XXXX, yet the reporting and disclosures surrounding the account history and furnishing activity remain inconsistent and confusing. I am requesting correction or deletion of the tradeline to ensure accurate and non-misleading reporting under the FCRA.

Absolute Resolutions Investments , LLC RE : Formal Dispute, Cease and Desist, Request for Validation, and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing regarding the account your company is reporting and/or attempting to collect under my name. I formally dispute the validity, accuracy, ownership, and legal enforceability of this alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand that your company immediately cease all collection activity unless and until you r ide full and complete validation of this allegeu debt.…

I am disputing the continued collection and credit reporting of an alleged XXXX XXXX XXXX XXXX account being furnished by Absolute Resolutions Investments , LLC . After receiving collection notices, I timely disputed the alleged debt and requested validation, including a signed contract or application, complete account history, account-level chain of title documentation, proof of the amount claimed, and documentation establishing the legal right to collect and report the account. The responses provided were insufficient and did not fully validate the alleged debt. The documents provided consisted primarily of a generic bill of sale, limited account information, and a statement, but did not include complete account-level documentation proving ownership, accuracy, or enforceability of the alleged debt. Despite my disputes and requests for validation, Absolute Resolutions Investments , LLC continues furnishing this account to credit reporting agencies as accurate and verified.…

XX/XX/year> an account wit the balance of {$5200.00} was put into collections and I have no knowledge of this at all. This goes against USC 1692 ( G ) USC 1666 ( b ) / USC 15 166/ USC 1666/ USC 15 166 ( 2 )

This complaint is filed in response to XXXX XX/XX/year> response to my prior CFPB complaint dated XX/XX/year>, in which I requested written confirmation of three specific points before executing the Settlement Agreement and Mutual Release attached to XXXX XX/XX/year> letter to the California Department of Financial Protection and Innovation, File No. XXXX. Those three points were : One. That upon my execution and delivery of the Settlement Agreement and Mutual Release, the {$6900.00} already paid constitutes full and final satisfaction of the underlying judgment in XXXX XXXX XXXX XXXX Case Number XXXX, consistent with Agreement item 2, and that no further balance of any kind is owed. Two.…

Absolute Resolutions is reporting a collection account from XXXX XXXX XXXX that I do not recognize, did not open, and have not authorized. I disputed this account and requested validation. The furnisher has not provided any documentation showing liability, such as an original signed agreement, application, or other records establishing that I am the responsible party. Under the Fair Credit Reporting Act 1681s-2 ( b ), once a dispute is received, a furnisher is required to conduct a reasonable investigation and verify the accuracy and completeness of the information before continuing to report it. Because no competent evidence of contractual obligation has been provided, the continued reporting of this account is not supported by a reasonable investigation and is therefore inaccurate and unverifiable under the FCRA.

I am disputing the accuracy of a collection account being reported by Absolute Resolutions. My records show that this account became delinquent in XXXX, and I have documentation from the original creditor reflecting that the account was past due at that time. I also have correspondence from XXXX Resolutions dated XX/XX/XXXX indicating the account had been placed with their company at that time. However, my credit report does not reflect any collection activity until XX/XX/XXXX, which is also when the account was paid in full. The account shows a collection status corresponding with the date of payment rather than the original delinquency timeline. This creates a clear inconsistency in the reporting timeline, as the account was delinquent in XXXX, placed with the collection agency in XXXX, but not reported as a collection until XXXX.…

In XX/XX/XXXX, I had submitted a complaint regarding Absolute Resolutions for alleged debt, they did not provide validation of debt and initially removed collections. However, now in XX/XX/XXXX they have submitted the collections again without validation of debt and I want the collection removed from my credit report.

I have paid the dates for absolute resolution and it still appears on my credit report. The debt supposed to be paid and deleted.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I am submitting this complaint regarding the conduct of Absolute Resolutions Investments , LLC ( ARI ) in connection with two alleged accounts that they claim to own and are actively attempting to collect. I previously disputed both accounts and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F ( 12 C.F.R. 1006.34 ). Despite these requests, ARI has failed to provide sufficient documentation to establish that the alleged debts are valid, accurate, or legally enforceable. While ARI claims ownership of the alleged accounts through bulk purchase, it has failed to provide sufficient documentation demonstrating that my specific accounts were validly assigned to it. ARI has not produced a complete chain of title identifying my individual accounts, nor has it provided account-level documentation from the original creditor establishing the existence, terms, and accuracy of the alleged obligations.…

Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. XXXX XXXX

I attempted to send a debt validation request via certified mail, but the letter was returned as undeliverable due to an invalid address. The company is reporting on my credit file but can not be contacted, which raises concerns about the accuracy and legitimacy of this debt.

I am disputing an inaccurate and time-barred collection account from Absolute Resolutions Corp . Court Dismissal : This debt was the subject of a lawsuit in XXXX XXXX, Texas ( Case # XXXX ), which was dismissed. Attached is the court declaration confirming this. Texas Law Violation : The date of last activity is in XXXX. Under Texas Civil Practice and Remedies Code 16.004, the 4-year Statute of Limitations expired in XXXX. This debt is now legally uncollectible. Failure to Investigate : I have provided this evidence to the bureaus and the collector via certified mail, but they continue to verify a balance. Under the FCRA and FDCPA, they can not continue to report a balance on a dismissed, time-barred debt as if it were a valid, collectible account. I am requesting immediate deletion. '' I request the permanent deletion of this tradeline from my credit report on all three bureaus.…

Absolute Resolutions/XXXX XXXX XXXX illegally garnished my wages in XX/XX/XXXX for an alleged debt but was unable to provide proper validation for the debt. I sent 2 debt validation letters ( in XXXX and XX/XX/XXXX ), the initial letter and a second request because the response to my first request did not provide the proper information requested in the debt validation letter. In XX/XX/XXXX I also filed an Objection to the Garnishment and in XX/XX/XXXX, the judge ruled in my favor because Absolute Resolutions/XXXX XXXX XXXX XXXX XXXX appear. I sent Absolute Resolutions/XXXX XXXX XXXX a cease-and-desist letter in XX/XX/XXXX. After the judge ruled in my favor, I sent Absolute ResolutionsXXXX XXXX XXXX a letter demanding they return all of my money that was illegally garnished from my wages. The XXXX XXXX XXXX return a total of XXXX checks to me totaling a little over {$4700.00} on or around XX/XX/XXXX.…

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

ABSOLUTE RESOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date : XX/XX/XXXX Subject : Credit Report Dispute Unverified Debt To Whom It May Concern, I am formally disputing an account that is currently being reported on my credit file. This debt has not been properly verified, and the company reporting it has not provided sufficient evidence that they are authorized to collect on behalf of the original creditor. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into this matter. Specifically, I request verification of the following : 1. Proof that this debt is valid and accurate 2. Documentation showing that the reporting company has legal authorization to collect this debt 3. A copy of any agreement bearing my signature that establishes my responsibility for this account As of now, this account remains unverified and therefore should not be reported on my credit file.…

I paid them and they said once paid they will delete this from my credit

I am filing a complaint regarding Absolute Resolutions Investments LLC for attempting to collect and report a debt that has not been properly validated. I initially requested validation of this alleged debt in or around XX/XX/XXXX. In response, I received a packet of documents that did not provide sufficient validation, including no signed agreement, no complete chain of ownership, and no clear documentation supporting the balance. On or around XX/XX/XXXX, I submitted an additional formal request for validation. Again, Absolute Resolutions failed to provide complete and proper documentation. Additionally, I have received documentation that contains inconsistencies regarding ownership of this account, raising further concerns about the legitimacy of their claim. Despite the lack of proper validation, Absolute Resolutions continues to report this account to credit reporting agencies as accurate.…

I am disputing a debt being reported and collected by Absolute Resolutions LLC related to an alleged account with XXXX XXXX XXXX XXXX. This account is being inaccurately reported across my credit file with inconsistent information. Specifically, the same account number is associated with multiple entries and conflicting balances, which suggests duplicate or misleading reporting. Additionally, the account is being reported with a date opened of XX/XX/year>, which is incorrect, as I did not open any such account at that time. The account is also being reported with ongoing monthly collection activity, which misrepresents the true age and status of the alleged debt. This appears to be improper re-aging and inaccurate reporting in violation of the Fair Credit Reporting Act. The account was previously removed and later reinserted without proper notice or verification.…

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Absolute Resolutions Investments LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX RE : Debt Validation Request Under the FDCPA To Whom It May Concern : I am formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specifically, I request : 1.A signed purchase or assignment, signed by all parties involved, showing a complete chain of title and legal transfer of the alleged debt. 2.Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. 3.A full itemized accounting of the alleged debt, including original creditor, dates, amounts and any added fees.…

ABSOLUTE RESOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

When the dept collection company, Absolute Resolution, first contacted me about my XXXX XXXX credit card account that they purchased I informed them I had entered a fraud complaint with XXXX XXXX regarding charges that were made on the account. Absolute Resolution continues to contact me even though I have asked them to stop due to them not providing me what I have asked for. I have asked them to show me the original copy of the credit card agreement, payment history and a verification letter stating an investigation was done to show accuracy of the debt, that they have not provided but continuously call me all times of the day, interrupting my job and family time They are now threatening to sue and garnish my check that I work hard for and takes care of my family. I am asking you for an investigation of my account under the Title 15 of the United States code and Fair Credit Act ( 15 U.S.C 1681 ), Antitrust Laws ( 15 U.S.C 1 ) and the Security Exchange Act.

This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C.…

I am filing this complaint regarding inaccurate and misleading credit reporting by Absolute Resolutions Investments , LLC related to a debt collection lawsuit they filed against me. The original account was with XXXX XXXX XXXX XXXX and was charged off. The debt was later sold to Absolute Resolutions Investments , LLC, who has now placed the account in collections and filed a lawsuit in XXXX XXXX, Texas ( Cause No. XXXX ). Despite the account being charged off, sold to a third-party debt buyer, and currently in litigation, the company is reporting this account on my credit report as an open account, which falsely suggests that it is an active credit account rather than a charged-off debt in collections. This reporting is misleading, inaccurate, and harmful to my credit standing. The account is not open or active, and I can not use it as a line of credit. It should be reported as a closed, charged-off account in collections, not as an open account.…

I formally dispute your findings and maintain that this account remains unvalidated. You state that there is no requirement to provide validation prior to reporting. However, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to provide proper validation of a debt upon request, including sufficient documentation to establish that I am legally obligated to pay the alleged debt. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to consumer reporting agencies. To date, you have failed to provide adequate validation. A generic statement that documents exist or will be provided is not sufficient.…

I am filing this complaint against Absolute Resolutions Corporation regarding their attempts to collect an alleged debt of {$21000.00} on behalf of XXXX XXXX XXXX XXXX. I want to make it very clear that I have never had any account, product, or relationship with XXXX XXXX XXXX XXXX. I have never opened a credit card, taken out a loan, or conducted any business with this institution. Despite this, XXXX Resolutions continues to claim that I owe this debt. I have formally disputed this debt twice in writing and requested proper validation. Both letters were sent via XXXX mail, and I have attached proof confirming that Absolute Resolutions received them. However, they have completely failed to respond to either request. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested verification that this debt is mine, documentation proving they have the legal right to collect, and evidence of the original creditor agreement bearing my signature. To date, they have provided nothing.…

Validation of Debt Request - ABSOLUTE RESOLUTIONS I/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I was notified by a " law office '' that I was gon na be sued for a credit card that my husband 's girlfriend opened years ago. In a state the debt was not signed for that I just currently moved too.