Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
ADVANCED RESOLUTION SERVICES , INC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> TO WHOM IT MAY CONCERN, I am writing to bring your attention to certain inaccuracies present in my credit report that require immediate correction. Specifically, the following items need to be removed. 

XXXX XXXX XXXX [ XXXX  ] Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$6100.00} Creditor Remarks : -- ACCOUNT SERIOUS PAST DUE, DATE/ ACCOUNT ASSIGNED TO ATTORNEY OR COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX High Balance : {$5700.00} Payment Status : CollectionorChargeOff Term Length : I Loan Type : XXXX XXXX XXXX XXXX XXXX [ XXXX  XXXX Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Open Account Type : Open Balance Owed : {$6100.00} Creditor Remarks : -- ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : Collection Services Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX High Balance : {$5700.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Open Account Type : Installment Balance Owed : {$6100.00} Creditor Remarks : Creditor Type : MiscellaneousPublicRecord Date Opened : XXXX Date Reported : Date of Last Activity : XXXX High Balance : {$5700.00} Payment Status : CollectionorChargeOff XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Closed Account Type : Open Balance Owed : {$4000.00} Creditor Remarks : -- CHARGED OFF ACCOUNT Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Payment Status : CollectionorChargeOff CAPITAL XXXXXXXX XXXX XXXX XXXX Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$3400.00} Creidt Limmit : XXXX Creditor Remarks : -- DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX High Balance : {$3300.00} Payment Status : XXXX Loan Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Account Description : Individual Account Rating : CollectionorChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$3400.00} Creidt Limmit : XXXX Creditor Remarks : -- UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX High Balance : {$3300.00} Payment Status : XXXX Loan Type : XXXX This letter showcases various inaccuracies on my credit report detailing various accounts, balances, and dispute statuses related to my credit history. 

Credit Report Inaccuracies and Disputes The letter addresses inaccuracies in the credit report of XXXX XXXX XXXX, requesting immediate corrections. 

Multiple accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others show discrepancies. 
Specific accounts are marked as " CollectionOrCharge Off '' with varying balances, statuses, and creditor remarks.

The letter cites violations of the Fair Credit Reporting Act ( FCRA ) regarding accuracy and consent for reporting.

A formal request for deletion of inaccuracies is made, with a warning of potential legal action if ignored.

Legal Violations and Consequences The letter outlines legal violations related to the inaccuracies in the credit report.

References to FCRA sections 15 USC 1681e ( b ) and 15 USC 1681b ( a ) ( 2 ) highlight the failure of agencies to ensure accuracy and obtain consent.

Claims of Aggravated Identity Theft under 18 USC 1028A ( a ) ( 1 ) are mentioned, which could lead to felony charges.

A demand for compensation totaling {$6000.00} is specified for various damages, including defamation and damaged creditworthiness.

Company response to consumer: Closed with explanation