Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I made a previous complaint about this company complaint number XXXX and Absolute resolutions investment LLC is operating in bad faith and taking advantage of consumers. ARI IS ATTEMPTING TO COLLECT A DEBT WITHOUT PROVIDING REQUIRED VALIDATION ( FDCPA 1692g ( b ) ) In ARIs response, they admit they do not possess validation : ARI has requested Validation to be sent by its servicer, please allow time to receive the requested documents.

This means ARI : Is collecting without validation Is furnishing to credit bureaus without validation Is asserting the debt is mine without validation Is refusing to cease collection during a dispute These actions violate : 15 U.S.C. 1692g ( b ) continued collection without validation 15 U.S.C. 1692e false representations 15 U.S.C. 1692f unfair practices ARIs admission alone establishes clear FDCPA violations.

2. THEIR USE OF MY NAME + SSN IS NOT LEGAL PROOF OF ANY ACCOUNT ARI claims : The account was issued to Consumer, SSN XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is not validation under the FDCPA or FCRA. 
Under federal law, validation requires : Contract with my signature Full chain of assignment Account-level documentation Itemized accounting Proof that I created the account ARI has provided none of this.

3. ARI FAILED TO PROVIDE A CHAIN OF TITLE OR PROOF OF OWNERSHIP ARI states the account was sold to them on XX/XX/XXXX, yet : They did not provide an assignment agreement They did not provide a Bill of Sale They did not show the account was included in any portfolio transfer They did not provide any records from Navy Federal Under the FDCPA and federal assignment law, ARI must provide evidence proving they own the debt before collecting.

They have not done so.

4. ARI CONTINUES TO MISREPRESENT THE AMOUNT AND STATUS OF THE ALLEGED DEBT They state : The amount owed was {$26000.00}.

This violates : FDCPA 1692e ( 2 ) ( A ) misrepresentation of the character, amount, or legal status of the debt FDCPA 1692e ( 8 ) communicating false information They have provided XXXX evidence, no accounting, and no original creditor records.

5. ARI FALSELY CLAIMS A PAYMENT WAS MADE WITHOUT SUPPORTING DOCUMENTS ARI asserts : The last payment of {$360.00} was made on XX/XX/XXXX. 

This claim is unsupported and in direct conflict with my identity theft report.

Under : FDCPA 1692e ( 8 ) FCRA 1681s-2 ( b ) They can not make unverified payment claims.

They have not provided a single document showing I made a payment.

6. ARI CONTINUES COLLECTION AND REPORTING DURING AN ACTIVE IDENTITY-THEFT DISPUTE Under the FCRA : 15 U.S.C. 1681c-2 Identity Theft Block Requirement A furnisher must : 1. Cease reporting 2. Conduct a reasonable investigation 3. Block the account if it can not be proven ARI has done none of this.

Instead, they : Continue reporting Continue collection attempts Continue asserting ownership Continue refusing to block the account This violates : 1681s-2 ( a ) furnishing false information 1681s-2 ( b ) failure to reasonably investigate 1681n willful violations 1681o negligent violations 7. ARIS RESPONSE IS FACTUALLY UNSUPPORTED AND LEGALLY INSUFFICIENT ARI wrote : Based on the foregoing, ARI is closing this complaint.

ARI can not close a complaint by : Providing no evidence Violating multiple federal laws Ignoring an identity theft dispute Ignoring a validation request Making unverified claims Admitting they have no documentation Their dismissal is both improper and unlawful.

8. FORMAL REQUEST FOR CFPB ACTION I am requesting that the CFPB require ARI to : 1. Immediately cease all collection activities.

2. Immediately delete all tradelines from all credit bureaus.

3. Provide full FDCPA-compliant validation.

4. Provide the chain of title and a
ssignment documents.

5. Provide the original signed contract ( if it exists ).

6. Provide proof of the alleged XX/XX/XXXX payment.

7. Provide a full accounting of all activity on the alleged account.

8. Comply with the FCRA Identity Theft Block requirement ( 1681c-2 ).

Failure to comply demonstrates bad faith, reckless disregard, and systematic violations of federal statutes.

CONCLUSION ARI has : Provided no evidence Violated the FDCPA Violated the FCRA Reported false information Ignored identity theft claims Continued unlawful collection Claimed ownership without proof Claimed payments without proof I request immediate CFPB intervention, regulatory action, and oversight regarding ARIs unlawful practices.

Company response to consumer: Closed with explanation