Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (CA)

Subject : Demand to Delete Fraudulent Collection from Consumer Report Dear Sir/Madam, I am writing to you in regards to a fraudulent collection that has been reported on my consumer report. I demand that Absolute Resolutions immediately remove this fraudulent collection from my consumer report within four business days from the receipt of this letter. Failure to comply with this demand within the specified timeframe will result in legal action against Absolute Resolutions for each violation, seeking damages of {$1000.00} per violation.

I am legally refusing to pay the debt associated with this collection, pursuant to the provisions set forth in 15 U.S. Code 1692c ( c ). This code clearly establishes the consumer 's right to refuse payment of a debt that is deemed fraudulent or not properly validated. 

I must emphasize that Absolute Resolutions shall be held liable for violations of several crucial federal laws and acts, including but not limited to : 1. Truth in Lending Act ( TILA ) 2. Fair Credit Reporting Act ( FCRA ) 3. Gramm-Leach-Bliley Act ( GLBA ) 4. Consumer Financial Protection Act ( CFPA ) 5. Sherman Antitrust Act 6. Robinson-Patman Act 7. Clayton Act 8. Federal Trade Commission Act ( FTC Act ) 9. Racketeer Influenced and Corrupt Organizations Act ( RICO Act ) I believe that Absolute Resolutions ' actions in reporting and maintaining this fraudulent collection on my consumer report are in direct violation of the aforementioned laws and acts. Specifically, 15 U.S. Code 1692 ( a ) grants consumers the right to privacy and protection from unwarranted disclosure of their non-public personal information. By having and using my non-public personal information, Absolute Resolutions is committing identity theft. 

I hereby demand that you immediately and permanently remove this fraudulent collection from my consumer report within XXXX business days from the receipt of this letter. Failure to comply with this demand within the specified timeframe will leave me with no choice but to file a lawsuit against Absolute Resolutions for each violation of the applicable laws and acts mentioned above, seeking damages of {$1000.00} per violation. 

Please be advised that if legal action becomes necessary, I will seek appropriate damages and remedies as provided for by the law. I am confident that a resolution can be reached amicably, and I hope to avoid any further escalation of this matter. 

I expect a written response from Absolute Resolutions acknowledging the receipt of this letter and confirming the removal of the fraudulent collection from my consumer report. Please provide me with written confirmation from the credit reporting agencies reflecting the removal of the collection. 

Please direct all future correspondence regarding this matter to the address listed above or via email at XXXX. I trust that Absolute Resolutions will handle this matter with utmost urgency and in compliance with the laws and regulations governing consumer rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and your cooperation. 

Sincerely, XXXX XXXX