Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, in which you assert ownership of two accounts previously issued by XXXX XXXX XXXX XXXX and detail the balances and reporting history of these accounts. While I acknowledge your statement that XXXX has acquired these accounts, I must address several important issues that remain unresolved. 
Cease and Desist Request Violation : As per my previous correspondence dated XX/XX/year>, I explicitly requested that XXXX cease all communications with me regarding this alleged debt. Your response demonstrates that XXXX has failed to honor my request, as evidenced by your continued reporting of these accounts and personal information to third parties, including credit reporting agencies. 
Under the FDCPA, once I have requested that a debt collector cease communication with me, further contact is prohibited except for certain instances, such as informing me of legal action. This continued communication, including reporting to credit bureaus, constitutes a violation of my rights under 15 U.S.C. 1692c ( c ), which mandates that no further contact be made once a cease and desist request has been issued. 
Debt Validation : While you provided some account details, the information supplied is insufficient for me to verify the debt. Please be reminded that under the FDCPA, I am entitled to request proper validation of the debt. Although you mention that debt validation will be sent to my address, I request that you immediately send me full documentation of the debt, including the original account agreement, the chain of title showing the transfer of the debt to XXXX, and any other documents that substantiate your claim. 
Inaccurate Reporting : If XXXX continues to report this debt to credit bureaus, please be aware that you must report accurate and complete information. Any attempt to report this debt to third parties without proper verification of the debt may lead to

further violations under 15 U.S.C. 1692e and 1692f, which prohibit false or misleading representations and unfair practices. Given these ongoing issues, I demand the following actions : Immediate cessation of all communications related to these accounts, including any reporting of the debt to credit bureaus, as required by law. 
Full debt validation for both accounts, as outlined above. 
Written confirmation from XXXX that no further communication or reporting will occur until the validation is provided, and that all necessary corrections are made to any credit reports. 
If XXXX continues to ignore my rights under the FDCPA and does not cease and desist from these unlawful actions, I will have no choice but to file complaints with the CFPB, the FTC, and my states Attorney General. I will also consider pursuing legal action to seek damages for any violations. 
Please consider this a formal notice that I expect a resolution to this matter within 10 days from the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation