Consumer complaint received 2023-01-09
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it XXXX concern, On XX/XX/XXXX i filed an initial complaint under # XXXX with the Consumer Financial Protection Bureau XXXX XXXX alleged unverified and unvalidated debt attempting to be collected by Absolute Resolutions Investments LLC XXXX XXXX of XXXX. To summarize the complaint, In XXXX of XXXX i was made aware that an alleged debt collection account was opened and placed on my Consumer Credit Reports on or about in XXXX of XXXX by Absolute Resolutions Investments LLC. Not receiving any prior notice to this alleged debt, I sent a written letter to the furnishing company of Absolute Resolutions Investments LLC requesting verification, validation, Proof of ownership, and included a request for documentation as well as the original contract with my aledged signature. This also included a request for the alleged contract I somehow unknowingly was alleged to have with the furnisher " Absolute Resolution Investments LLC ' that they were attempting to collect. The written letter and request was sent via CERTIFIED XXXX MAIL on XX/XX/XXXX and conformed being delivered to Absolute Resolutions Investments LLC on XX/XX/XXXX at XXXX hours. STILL TO THE CURRENT DATE OF XX/XX/XXXX, Absolute Resolutions Investments LLC still has not sent the requested information and documentation to validate and verify this alleged debt as well as proof of ownership along with the requested original contract. Furthermore, In their response they claim that they sent and provided me with the requested information on XX/XX/XXXX VIA a XXXX party and their process server at the time of XXXX, XXXX, XXXX XXXX XXXX, PA in the form of a Validation Dent Packet. THIS WAS NEVER RECEIVED BY ME, The alleged responsible party of the alleged debt. Additionally, Absolute Resolution Investments LLC XXXX in their response that " XXXX XXXX has received several validations of debt packets on behalf of XXXX ''. This is also untrue as i have never received any of the requested information that was requested in the written request or associated documentation. Absolute Resolution Investments LLC still provided inaccurate, unverified, and unvalidated information to my consumer XXXX XXXX in violation of the FCRA. Additionally, in an attempt to correct their false reporting of the alleged debt, they made numerous changes to my consumer credit reports prior to submitting their response to my complaint in an attempt to conceal their inaccurate reporting and still currently are reporting inaccurate, unverified and unvalidated information for the alleged debt they claim i owe them or responsible for. See the attached complaint and their response as they can not provide any certified records or receipts of the information, they claim like i provided for my request. 

But now i have an additional complaint and clear violation of my FCRAP rights in addition to the other violations they have committed. Found within my normally delivered XXXX Mail while attempting to locate the alleged debt validation packet they claimed they sent me as requested, I located ( XXXX ) letters from 3RD PARTY DEBT COLLECTORXXXX claiming they were attempting to collect a DEBT on BEHALF of Absolute Resolutions Investments LLC. The first letter is dated XX/XX/XXXX and was sent by " XXXX XXXX XXXX '' as a notice of intent to settle. " XXXX XXXX XXXX '' is a XXXX party vendor contracted on behalf of XXXX XXXX XXXX XXXX according to their letter of " Notice of Intent to Settle ''. The second is a letter from XXXX XXXX which is ANOTHER XXXX party vendor that shows a statement with an alleged amount due, and states they are attempting to collect an alleged debt for and on behalf of Absolute Resolutions Investments INC. Furthermore, in their own response to my first initial complaint with the Consumer Financial Protection Bureau, Absolute Resolutions Investments LLC. claimed they had their process server of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  send me a validation of debt packet, WAS NEVER RECEIVED. This as well is another XXXX party vendor acting on behalf of XXXX XXXX XXXX XXXX. 

According to a court ruling on XX/XX/XXXX in the case of XXXX XXXX XXXX XXXX collection and XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX for the United States of America ruled that a debt XXXX transmittal of a consumers personal information to a dunning XXXX party vendor was a third party communication in violation of XXXX U.S.C XXXX ( b ). Additionally, by XXXX XXXX XXXX XXXX transmitting my personal information in reference to this alleged debt they still have not verified or validated, violated my rights under the FCRAPA ( Fair Credit Reporting Act, Privacy ) as rendered in the United States XXXX XXXX XXXX XXXX XXXX by way of transmitting my Name, Alleged outstanding balance, The fact that the alleged debt resulted from another XXXX company to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, as well as who they claimed was their process server of XXXX, XXXX, XXXX XXXX XXXX PA, all who of which used this data to create, print and mail dunning letters to me the consumer in the form of " Notice to intent to settle '' sent by XXXX XXXX XXXX, " Statement ' by XXXX XXXX, and what they claim was a Debt Validation Packet sent by XXXX, XXXX, XXXX XXXX XXXX in their own response by XXXX XXXX XXXX XXXX which was never received by me. 

XXXX Resolutions XXXX in addition to violating my rights under the FCRA as it pertains to my right to request proof and documents of the alleged debt to include original contract signed by me, have also now violated by Rights and privacy listed under the XXXX by transmitting my personal information to ( XXXX ) separate XXXX party vendors. 

XXXX XXXX XXXX XXXX transmitted my personal information regarding the unverified and unvalidated alleged debt in violation of FDCPA section XXXX ( b ) which provides that without prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgement judicial remedy, A debt collector XXXX not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, or attorney of the debt collector. 

Additionally, the findings rendered by the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX also rendered in their decision that for their violations, The violating company is now actionable for money damages. 

For these numerous violations and misrepresentation of facts purposely done and reported by XXXX XXXX XXXX, I demand complete removal of the unverified and unvalidated alleged debt, as well as that they be held responsible for their purposeful violations of the FCRA and XXXX. A copy of this complaint will be processed with the Attorney General 's office for the XXXX of Maryland for review as well as legal representation due to their neglect, and violations.

Company response to consumer: Closed with explanation