Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this formal complaint against Absolute Resolutions Investments LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) for ongoing and willful violations of federal consumer protection laws under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, Absolute Resolutions Investments LLC received my certified debt validation request. Despite receiving this lawful request, the company failed to provide any documentation verifying the alleged debt as required by FDCPA 809 ( b ) [ 15 U.S.C.

1692g ( b ) ]. Nevertheless, they continue to report this unvalidated debt to all major credit reporting agencies ( XXXX XXXX and XXXX  ) showing a balance of {$13000.00}, allegedly associated with XXXX XXXX, opened XX/XX/XXXX, and last paid XX/XX/XXXX. 
Their continued reporting of unverified and disputed information constitutes multiple violations, including but not limited to : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Failure to cease collection activities and provide validation upon request.

FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s2 ( a ) ( 3 ) ] Furnishing disputed information without proper notice.

FCRA 623 ( b ) [ 15 U.S.C. 1681s2 ( b ) ] Failure to investigate and delete unverifiable data after notice.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Failure of credit bureaus to reinvestigate and remove unverified items within 30 days.

FCRA 616617 [ 15 U.S.C. 1681n1681o ] Civil liability for willful and negligent noncompliance. 
By continuing to furnish unverifiable information, Absolute Resolutions Investments LLC has demonstrated a willful disregard of federal law, resulting in measurable harm to my credit profile, financial standing, and reputation.

I respectfully request that the Consumer Financial Protection Bureau initiate a formal investigation and compel the following corrective actions : 1. Permanent deletion of the disputed and unverified account from all consumer reporting agencies.

2. Written confirmation from Absolute Resolutions Investments LLC confirming cessation of all reporting activities.

3. Assurance that no further collection or re-reporting occurs without full legal validation.

Evidence provided : 1. Certified mail debt validation request ( dated XX/XX/XXXX ). 
2. XXXX proof of delivery. 
3. Current XXXX XXXX and XXXX credit reports reflecting the disputed entry. 
4. Copy of my government-issued identification and proof of address. 
I request written confirmation of receipt of this complaint and notification of all actions taken. If Absolute Resolutions Investments LLC continues its noncompliance, I reserve my right to pursue civil remedies under 15 U.S.C. 1681p, including damages and attorneys fees as permitted by law. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX | DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation