Product: Credit reporting or other personal consumer reports

Formal Notice of Violations and Request for Remediation Dear Absolute Resolutions Investments, I am writing to bring to your immediate attention clear violations of federal laws, particularly 18 U.S. Code 1028 ( a ) ( 2 ) of the Identity Theft and Assumption Deterrence Act, in the manner Absolute Resolutions Investments has handled my credit information. According to 18 U.S. Code 1028 ( a ) ( 2 ), it is unlawful to knowingly transfer or use, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity. Under this statute, my personal information constitutes a means of identification protected under federal law. It has come to my attention that Absolute Resolutions Investments has used or furnished my non-public personal information without my consent or lawful authority to do so. This unauthorized usage of my personal information constitutes identity theft under federal law, as defined in 18 U.S. Code 1028 ( a ) ( 2 ). The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. This makes Absolute Resolutions Investments a consumer reporting agency. Therefore, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving my written instructions to delete the collection account that Absolute Resolutions Investments has included within my consumer report. Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in the Fair Credit Reporting Act ( FCRA ). I am formally demanding the immediate removal of this unauthorized and unverifiable collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ). I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, any action taken by Absolute Resolutions Investments besides deleting the collection will be considered willful non-compliance. I am invoking my rights under federal law and giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. Moreover, I insist on Absolute Resolutions Investments providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). Continuing to disregard these laws exposes Absolute Resolutions Investments to legal consequences, including civil penalties under 18 U.S. Code 1028 ( c ), which may include fines and imprisonment for each violation. Moreover, your actions undermine the integrity of the credit reporting system and erode consumer trust. It is imperative that Absolute Resolutions Investments ceases its unlawful practices and takes immediate steps to rectify the violations outlined in this letter to ensure compliance with federal law and protect my rights as a consumer. Failure to do so will result in further legal action to hold you accountable for your actions. This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report