Consumer complaint received 2022-12-06
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning, To whom this may concern, I am outraged that this alleged debt collection company continues to report inaccurate, unverified, and wrong information to the 3 major credit bureau 's after ignoring my written request for validation, verification and proof of documents now almost 3 years ago which was sent via certified mail and confirmed delivery. All collection efforts per the FCRA were to stop until they provided the requested verification and validation for the alleged debt they are illegally reporting. 

In XXXX of XXXX  i was made aware that an alleged debt collection account was opened and placed on my Consumer Credit Reports. Not receiving any prior notice related to this alleged debt, I sent a letter to the furnishing company of Absolute XXXX Resolutions XXXX requesting verification and validation to include documentation pertaining to the alleged debt they were reporting. 

My written request was sent on XX/XX/2020 via certified U.S. mail, and confirmed delivery on XX/XX/2020 at XXXX hours. after sending the written request for validation and verification to include requesting documentation, Absolute XXXX Resolutions XXXX did not respond at all to my request completely ignoring it and continued still to this day attempting to collect an alleged debt that they still failed to validate and verify. Additionally, Absolute XXXX Resolutions XXXX continues to report inaccurate, unverified, and unvalidated information to the ( 3 ) major credit reporting agencies to include reporting DIFFERENT information to all 3 credit agencies. On one report they are listing past due amounts with a term limit. A collection account is past due by default. A term limit is defined as " An agreed upon time between the consumer and business '' which i have had NO CONTACT, and NEVER AGREED to anything. Furthermore, they are reporting the account as OPENED which is also false and being that they ignored my request for validation and verification, they were to stop ALL collection efforts until they validated and verified it which they have ignored. 

Additionally, The account they are alleging to collect on, the records i show for the alleged account are reflecting PAID OFF COMPLETLY, however i have no knowledge if this is even the same account. 

I Demand that for their negligence, their refusal to answer or acknowledge my written request for almost 3 years, and their continued inaccurate reporting of unverified and unvalidated information, this account be immediately removed from my credit reports, and Absolute Credit Resolutions be held accountable for the multiple violations of the FCRA, in addition to the financial harm it has caused me. 

Also, I have disputed the alleged information Mutiple times with the ( 3 ) major credit reporting agency 's. ALL ( 3 ) credit bureaus have also FAILED TO INVESTIGATE my claims and continue to allow the unverified, unvalidated, and false information to continue being reported WITHOUT properly investigating my claims pursuant to the FCRA. The FCRA extends my rights as a consumer to a COMPLETLY FAIR AND ACCURATE CREDIT REPORT, and they MUST properly INVESTIGATE disputed inaccuracy 's, which all of the disputes they FAILED to PROPERLY INVESTIGATE, and simply stated they " Verified '' with the furnisher. I DEMAND to know HOW they verified it as it clearly shows inaccurate and different information on ALL ( XXXX ) reports which if the information was accurate should ALL be reporting the same as well. 

I have attached and provided documentation of my claims, and prof that Absolute XXXX Resolutions violated my rights provided to me under the FCRA as well as the Credit Reporting Agency 's for failing to report accurate, verified and validated information, as well as allowing me to have a 100 % accurate credit report free of errors and inaccuracies, as well as failing to investigate my disputes, and causing me financial harm in the process.

Company response to consumer: Closed with explanation