Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (MD)

Company was attempting to collect on an alleged debt they claimed I was responsible for. When it was originally discovered on my consumer report, I was unaware of what it was pertaining to, Never received any debt validation prior to noticing it on my consumer report, and therefore mailed numerous requests for debt validation for this alleged debt they claimed I was responsible for, which I am not. This occurred back XXXX XXXX. See Previous complaint XXXX. In their response they stated they sent the requested debt validation ; however, nothing was received even though they stated it was by me. I dispute this alleged debt, as well as any ownership or responsibility for it still today. Furthermore, the data furnisher was back then reporting inaccurate and mismatched data across all 3 of my consumer credit reports. They stated this was a " Charge OFF '' with XXXX XXXX being an original creditor. I corresponded with XXXX who they claimed was the original creditor in an attempt to verify and validate any information on the alleged debt during which time XXXX responded, " They have no record of the alleged account or me having one ''. 

For all of these reasons and the data furnisher failing to provide the original documents and validation to include the purchase agreement, The chain of custody, and information verifying that i was responsible for the alleged debt, along with the continues phone calls from them, I sent a CEASE AND DESISTS LETTER to cease any and all forms of communication with me. This original request was sent in late XXXX. In XXXX of XXXX, I was still receiving numerous calls and contacts by them attempting to collect an alleged debt that i am not responsible for, and that they could not properly validate, and i sent a second CEASE AND DESIST LETTER to the debt collector. This letter was mailed via certified mail and delivery confirmed. I believed at this point that they honored by my request for the CEASE AND DESISTS for the alleged debt i am not responsible for however they continue reporting inaccuracies across my 3-consumer credit report to include multiple dates of alleged first delinquency re-aging the alleged debt. 

Well on XX/XX/XXXX, I again without any request made, received random documents in the mail once again from the data furnishing company trying to provide random statements, a letter with their own letter head listing my information, however it is missing numerous points of information still for the alleged debt. Their letterhead states ( WE ARE IN RECEIPT OF YOUR REQUEST FOR MORE INFROMATION ). I NEVER MADE ANY REQUEST TO THEM as well as this is now 7 months WELL AFTER at least 2 CEASE AND DESIST LETTERS WERE SENT TO THEM via USPS and verified delivery. 

I am requesting this matter be investigated, I am Requesting they be held accountable for their violations, and i respectfully request they stop reporting mismatched, unverified, and different information across the 3 credit bureaus on my consumer reports for an alleged debt i don't own, I'm not responsible for, I DISPUTE FULLY, That they re-aged, and the constant continuous harassment by them even after receiving my CEASE and DESIST REquest. A copy of my second request is attached.