Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I write to you as a Florida resident and an XXXX servicemember of the United States XXXX XXXX XXXX I am formally disputing the alleged debt that you claim I owe and demanding full validation pursuant to the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., and applicable Florida law, including the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. XXXX, and the licensing provisions enforced by the XXXX  Office of Financial Regulation ( OFR ). 

This letter is not an admission of liability. It is a lawful demand for proof and compliance.

1. Debt Validation and Documentation Demanded Under 15 U.S.C. 1692g ( b ), once I dispute the debt in writing, you must cease collection efforts until you provide proper validation. Accordingly, you are required to provide the following : 2. Complete, legible copy of the original Purchase Agreement A signed copy of any purchase agreement, retail installment contract, credit agreement, or other contract purportedly binding me to this alleged obligation. 

This must show : My name and identifying information, The date of the transaction, The original creditor, The terms and conditions ( interest rate, fees, payment schedule, etc. ). 


3. Itemization and Total Amount of the Alleged Debt A detailed itemized statement showing : The original principal amount, All interest, All fees, penalties, or other charges, Any payments or credits applied, The current balance you claim is owed.

Please include the date the alleged debt went into default and how you calculated the current balance.

3. Identity of the Current Creditor The full legal name and address of the current creditor to whom you allege the debt is owed. 

A clear explanation of any assignment or transfer of the debt from the original creditor to the current alleged creditor.

4. Verification That the Statute of Limitations Has Not Expired Written confirmation that the alleged debt is within the applicable statute of limitations under Florida law, including : The date of the last payment, The date of first default, The specific statute of limitations you rely on, and Your legal basis for asserting that the alleged debt is still legally enforceable in Florida.

Be advised that attempting to collect or threaten legal action on a debt that is time-barred may constitute a deceptive or unfair practice under both the FDCPA and FCCPA.

5. Proof of Your Legal Authority to Collect This Debt A complete copy of any agreement, assignment, or purchase/sale agreement between you and the original creditor ( or any intermediary debt buyer ) that authorizes Absolute Resolution, LLC to collect this specific debt in its own name. 

This must show a clear chain of title from the original creditor to you.

2. Florida Licensing and Registration Potential Noncompliance I have checked the XXXX  Office of Financial Regulations public records and I do not see Absolute Resolution, LLC listed as registered or licensed to collect debts in the State of Florida. 

Under Florida law, entities engaged in debt collection activity in this state generally must comply with applicable registration, licensing, and regulatory requirements. Attempting to collect debts within Florida without proper authorization may violate the Florida Consumer Collection Practices Act ( Fla. Stat. 559.55 et seq. ) and other Florida regulatory provisions. 

Accordingly, provide : Your full legal corporate name, Your principal business address, Your Florida consumer collection agency license number and any other relevant registration/licensing information, Copies of any licenses or authorizations that you contend allow you to lawfully collect debts from Florida residents XXXX 


If you can not provide proof that you are properly licensed/registered and authorized to collect debts in Florida, you must immediately cease all collection activities on this account and remove any negative credit reporting you have made regarding this alleged debt. 


3. Servicemembers Civil Relief Act ( SCRA ) Protections As noted above, I am on XXXX XXXX military status. Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ), certain protections apply, including but not limited to : Restrictions on default judgments against servicemembers, Certain protections relating to interest rates and enforcement actions, and A heightened obligation on creditors and collectors to handle servicemember accounts in a lawful and non-abusive manner. 


You are hereby put on formal notice of my SCRA status. Any attempt to secure a judgment, garnish wages, or take other adverse action without complying with SCRA requirements will be considered a serious violation and may be reported to the appropriate authorities, including but not limited to state and federal regulators and, if necessary, military legal assistance and the XXXX XXXX XXXX office. 


4. Cease Collection Pending Validation / Communications Limits Until you have fully complied with this demand and provided all requested documents : You must cease all collection efforts on this account, as required by 15 U.S.C. 1692g ( b ).

You may not sell, transfer, or assign this alleged debt to another party without noting that it is disputed and validation has been requested but not provided. 

You are not authorized to contact me by telephone at inconvenient times or in a harassing manner. Written communication by mail is preferred so that there is a clear record of all interactions. 


If you can not validate this alleged debt with the requested documentation, you must : 1. Cease all collection attempts permanently ; 2. Delete and remove any negative or derogatory information you have reported to any consumer reporting agencies ( credit bureaus ) ; and 3. Send me written confirmation that you have done so.

5. Notice of Recordkeeping and Potential Complaints Please be advised that I am keeping detailed records of all correspondence and communications from you, including dates, times, and the content of any phone calls and letters.

If you fail to comply with this validation request, continue collection efforts without proper validation, or if you are found to be operating without proper authorization in the State of Florida, I reserve the right to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), File complaints with the XXXX  Office of Financial Regulation and the Florida Attorney General, Assert claims under the FDCPA, the FCCPA, the SCRA, and any other applicable federal or state laws, Seek damages, attorneys fees, and costs to the fullest extent allowed by law. 


Please respond to this complaint in writing within 30 days of receipt and provide all requested documents and information. If you are unable or unwilling to provide proper validation, you must immediately cease any further communication about this alleged debt, other than to confirm in writing that the account has been closed and any related credit reporting has been deleted.

Company response to consumer: Closed with explanation