Consumer complaint received 2024-11-13 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:
Formal Complaint Against Absolute Resolutions Investment, LLC Concerning FDCPA Violations and False Reporting to Credit Bureaus Dear Sir/Madam , I am writing to file a formal complaint against Absolute Resolutions Investment, LLC, a debt collection agency, for their ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as their actions in falsely reporting inaccurate and fraudulent information to the credit bureaus, which has caused significant damage to my personal credit and reputation.

Summary of the Complaint : 1. False and Fraudulent Reporting to Credit Bureaus : Absolute Resolutions Investment, LLC has reported inaccurate and fraudulent information about me to one or more of the major credit bureaus. Specifically, they have reported an alleged debt that I do not owe and that I have no legal obligation to pay. I have reviewed my credit report, and this entry is incorrect, misleading, and damaging to my financial reputation.

I have disputed these false entries with the credit bureaus, but they continue to appear on my report, despite my efforts to correct the inaccuracies.

2. Violation of the FDCPA : Under the FDCPA ( 15 U.S. Code 1692 ), debt collectors are prohibited from engaging in deceptive, harassing, or coercive conduct. Despite my attempts to resolve the matter, Absolute Resolutions Investment, LLC has employed the following prohibited actions : Section 805 ( a ) - Communication in Connection with Debt Collection : They have continued to contact me without my consent and have sent multiple letters and phone calls demanding payment for this fraudulent debt.

Section 807 - False or Misleading Representations : The company has made false representations about the nature and amount of the debt, including threatening to report it to credit bureaus without providing me any proof of the debt.

Section 809 ( a ) - Validation of Debts : Despite my requests, Absolute Resolutions has failed to provide adequate validation of the alleged debt, which is required by law before they can take any action to collect or report the debt.

Section 813 - Civil Liability : The continued harassment and fraudulent reporting is causing ongoing harm to my credit and finances. I am considering seeking civil remedies under the FDCPA, but I hope this complaint will result in the proper investigation of their actions.

3. Coercion and Threats : In their communications, Absolute Resolutions has attempted to coerce me into paying a debt that I do not owe. This includes threatening legal action and reporting the fraudulent debt to credit bureaus, even though they have failed to provide proper verification. These actions are intended to intimidate me into paying something that is not my responsibility.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Absolute Resolutions Investment, LLC for the following violations : Their failure to properly validate the debt, as required under the FDCPA.

Their false and fraudulent reporting of this debt to the credit bureaus.

Their harassment and coercive tactics in attempting to force payment for a debt I do not owe.

Any other unlawful practices identified by your investigation under the FDCPA and related consumer protection laws.

I have attached the following documentation to support my complaint : Copies of my credit report showing the fraudulent entry.

Any correspondence I have received from Absolute Resolutions Investment, LLC.

Copies of any dispute resolutions or responses from the credit bureaus regarding the disputed entry.

Conclusion : I respectfully request that the CFPB investigate this issue promptly and take any necessary action to prevent Absolute Resolutions Investment, LLC from continuing these unlawful practices. I also ask that the fraudulent information be removed from my credit report to prevent further harm to my financial reputation.

Thank you for your attention to this matter. I look forward to your response and any steps that will be taken to resolve this situation.

Company response to consumer: Closed with explanation