Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I am filing this complaint to request immediate regulatory intervention and deletion of an ALLEGED collection account being furnished by Absolute Resolutions, which is legally unreportable due to material inaccuracies, missing required data, and complete lack of verification.

Basis for Mandatory Deletion ( Not Correction ) Absolute Resolutions is furnishing an alleged collection account that fails minimum FCRA and XXXX XXXX reporting standards, making continued reporting unlawful. 

XXXX. No Complete Payment History ( Automatic Non-Compliance ) Absolute Resolutions is reporting this alleged account without a complete payment history, a required data element. Furnishing an account absent this information violates : - FCRA 1681s-2 ( a ) ( incomplete/inaccurate furnishing ) - XXXX XXXX mandatory field requirements An account lacking a complete payment history is not eligible for reporting and must be deleted, not updated. 

XXXX. Missing and Inaccurate Required Data Fields The tradeline contains missing and/or inaccurate information, including but not limited to : - Incomplete payment history - Improper account status - Inaccurate balance representation - Failure to properly report the date of first delinquency Under the FCRA, information that can not be furnished with maximum possible accuracy may not be furnished at all. 

XXXX. Deceptive Reporting of an Open Collection With a Past-Due Balance Absolute Resolutions is reporting an alleged collection account as open with a past-due balance, which is inherently deceptive. Collection accounts are not open credit obligations and can not accrue or reflect past-due amounts in this manner. This mischaracterization alone renders the tradeline misleading and unlawful. 

XXXX. Unverifiable Alleged Debt No Competent Evidence Absolute Resolutions has failed to produce competent verification of this alleged account. 
Billing statements, account summaries, screenshots, or balance printouts are not verification or validation under federal law. They do not establish : - A contractual obligation - Authority to collect - Accuracy of the balance - Lawful basis for credit reporting An unverifiable account must be deleted under the FCRA. 

XXXX. Failure to Maintain Reasonable Procedures By repeatedly furnishing incomplete and misleading information, Absolute Resolutions has demonstrated a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by FCRA 1681e ( b ). 

Regulatory Resolution Required Because this account is inaccurate, incomplete, misleading, and unverifiable, the only compliant resolution is : - Permanent deletion of this alleged collection account from XXXX, XXXX, and XXXX - Cessation of all furnishing related to this account - Written confirmation of deletion Any response that attempts to verify this account using billing statements or internal data will constitute further evidence of willful noncompliance. 

Closing Absolute Resolutions has no lawful basis to continue furnishing this tradeline. Continued reporting after notice constitutes willful and knowing violations of federal consumer protection laws. 

I respectfully request the CFPB require immediate deletion, not reinvestigation, as correction is impossible due to the absence of required data and verification. THIS IS NOT A DUPLICATE DISPUTE!!!!! 

Sincerely, XXXX XXXX -- - ( account # XXXX ) this is the ALLEGED COLLECTIONS account #

Company response to consumer: Closed with explanation