Consumer complaint received 2022-05-26
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX XXXX is filing a continuation of my initial complaint on ABSOLUTE RECOVERY SERVICES. ABSOLUTE RECOVERY SERVICES stated they did not release any information to a third party. I have attached a copy of my consumer report as an Exhibit. It clearly reflects ABSOLUTE RECOVERY SERVICES as the furnisher of information. Therefore, ABSOLUTE RECOVERY SERVICES did in fact share information with third party. 
I never had a contract, nor have I ever conducted business with ABSOLUTE RECOVERY SERVICES. I had an agreement with XXXX XXXX. Therefore, at this time Im requesting that ABSOLUTE RECOVERY SERVICES provide me a copy of a Trilateral Contract that bid me and giving your company lawful authority to collect payment. Yes, this happened 2 years ago. Congress makes it very clear there is no statute of limitation on the discovery of fraud. 
ABSOLUTE RECOVERY SERVICES claims to have followed The Fair Debt Collection Practices Act guidelines is this matter is a lie. 
Under the FDCPA, 15 USC 1692c, it states a debt collector shall not communicate with a consumer without the prior consent of the consumer given directly to the debt collector. I never gave ABSOLUTE RECOVERY SERVICE consent to contact me about this alleged debt, which is a violation.

As I stated in the initial complaint, ABSOLUTE RECOVERY SERVICES violated me in accordance with 15 USC 1692d ( 4 ). I was coerced into paying this account with ABSOLUTE RECOVERY SERVICES, not knowing they had no lawful authority to collect payment. 
Its very obvious that the person that responded to my initial complaint doesnt understand nor overstand federal laws and ignorance of the law is no excuse. As it was stated this account will continue to report until the bureaus remove it. Well, theres only one bureau and that's the CFBP. The other three are Consumer Reporting Agencies.

There's nothing under the Fair Credit Reporting Act that requires a creditor or debt collector to report negative information. Negative information should not be furnished to my credit report without lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ). Your company is committing unlawful extortionate means such as furnishing nonpublic personal information, which carry a fine under this title or imprisoned not more than 20 years or both, 18 USC 894.

I have shown you the laws that protect me as a consumer and you have been put on notice through this government site. In accordance with 15 USC 1692c ( c ), you are hereby to cease the illegal reporting of this account with all third party that it was shared with immediately. If this matter cant be resolved outside of court, then if you continue to report this negative information, I will be filing a claim in federal court for damages and enforcing those 20 years, along with 18 USC 1028a for aggravated identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation