Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Dear Sir/Madam : I am writing to dispute certain information in my consumer credit file maintained by your agency. This letter constitutes a formal notice of dispute and is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable law. Specifically, I request that you investigate and delete or correct the following items : Accounts at issue Creditor : Absolute Resolutions Investment LLC ( and/or other related names ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numbers : Unknown Reported status : Collection Date of first delinquency : XX/XX/XXXX Reason for dispute : I do not believe I owe this debt Grounds for my dispute Under the FCRA, when I dispute an item in my file you are required to conduct a reasonable reinvestigation and record the current status of the disputed information or delete it before the end of the 30-day period beginning on the date you receive my dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( Legal Information Institute ) Further, if the furnisher ( in this case Absolute Resolutions Investment LLC or its data provider ) can not verify the accuracy or completeness of disputed information, then that information must not continue to be reported. As the Consumer Financial Protection Bureau and Federal Trade Commission have explained : when furnishing companies can not determine whether the information is true or notthe law requires them to tell the credit reporting agency the information could not be verified so that the agency will stop reporting it. ( Consumer Financial Protection Bureau ) The FCRA also mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information in consumer files. ( XXXX XXXX ) I further assert that I was a victim of the data breach at XXXX  and/or XXXX  ( and the associated exposure of my personal data ) which heightens my need for special care in ensuring only accurate, verified data is being reported. For example, XXXX XXXX data breach exposed the personal data of approximately XXXX XXXX Americans. ( Federal Trade Commission ) Because of that breach ( and the risk of identity theft or inaccurate reporting arising from it ), I request you consider my file accordingly and treat this dispute with heightened scrutiny. When a debt collector or furnisher reports collection accounts that are disputed, or fails to verify them, this may also implicate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which requires debt collectors to validate a debt when a consumer timely disputes it, and prohibits continuing collection until verification is sent. ( usacreditlawyer.com ) Action requested I request that you : mark each of the above-referenced accounts as in dispute ( or whatever terminology your agency uses ) and report them with that designation to any third parties to which you have already provided the information ; complete your investigation or reinvestigation of each disputed item within the 30-day statutory period and send me written results ; if the furnisher can not verify the accuracy or completeness of the information regarding these accounts, you must delete them from my report or correct them as required under 15 U.S.C. 1681i ( a ) ( 5 ) and 1681s-2 ( b ) ( 1 ) ( E ). ( Consumer Financial Protection Bureau ) Please send me a free copy of my consumer credit report showing the results of your investigation and any corrections or deletions made. Please send me the name, address, and telephone number of the furnisher ( Absolute Resolutions Investment LLC or its data source ) who provided the disputed information, so that I may contact the furnisher directly if necessary. Notice Please be advised that I am keeping detailed records of all correspondence and communications with you, the furnisher, and any collection agency or debt buyer concerning these accounts. If you do not correct or delete the inaccurate or unverified information, I reserve all rights to pursue any legal remedies available, including those under the FCRA for failure to properly investigate and correct inaccurate information, and under the FDCPA for any improper collection practices. Also, note that in light of the data breach mentioned above, I may request identity-theft protections, such as a security freeze, fraud alert, or other identity restoration services. Summary : Because I do not believe I owe the debt claimed by Absolute Resolutions Investment LLC ( or because the debt is otherwise inaccurate or not mine ), the continued reporting of this information without verification is improper under federal law. Please treat this letter as my formal dispute and request for reinvestigation, correction, or deletion of these items. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation