Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I am filing a formal complaint against Account Resolution Corporation regarding inaccurate, incomplete, and misleading credit reporting. This company is reporting a collection account on my credit report that contains multiple serious compliance violations under the Fair Credit Reporting Act ( FCRA ). The account is being reported with the following deficiencies : Account status is listed as unknown, which is incomplete and fails to accurately describe the condition of the account The balance is reported as {$0.00}, yet the account continues to negatively impact my credit profile, which is misleading The account includes a payment history with repeated missed payments, which is improper for a collection account under Metro 2 reporting standards The original creditor is not clearly identified The account data is incomplete and lacks the required level of detail necessary for proper verification These inconsistencies indicate that the account is not being reported with maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). I have disputed this account, yet it continues to be reported without proper verification or correction. Additionally, the reporting of a {$0.00} balance while maintaining negative status creates a misleading impression and raises serious concerns regarding the integrity of the data being furnished. I am requesting the following : Immediate deletion of this account from all credit reporting agencies A full explanation of how this account was verified Documentation supporting the accuracy and completeness of all reported data fields Identification of the original creditor and chain of assignment If Account Resolution Corporation can not provide complete and accurate documentation to support every aspect of this account, it must be removed immediately. Failure to correct or delete this account will result in further escalation and potential legal action. I expect a prompt resolution to this matter. See below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ TODAY ] RE : Collection Account Dispute & Validation Demand To Whom It May Concern, I am disputing the collection account you are reporting. Your reporting contains multiple compliance violations, including : Improper payment history reporting on a collection account Undefined account status ( unknown ) Balance inconsistencies ( reporting {$0.00} while still negatively impacting my credit ) Failure to clearly identify the original creditor Incomplete account data These violations indicate that the account is not being reported with maximum possible accuracy as required by law. You are required to provide : 1. Full validation of the debt 2. Chain of assignment from original creditor 3. Original account documentation 4. Proof of your legal authority to collect 5. Verification of all reported data fields If you can not provide complete validation, you must : Cease collection activity Request deletion from all credit reporting agencies Failure to comply will result in escalation through the Consumer Financial Protection Bureau and potential legal claims. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation