Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
THIS ACCOUNT IS NOW AGGRAVATED IDENTITY THEFT To whom this may concern Please be advised your company proof of claim by federal law under the requirements of 15 usc XXXX the Fair Debt Practice Act has failed. This account is now considered as Aggravated Identity Theft. Absolute Resolutions Investments , LLC, is not owned by XXXX or have common control therefore should not have my nonpublic personal information to report on my consumer report. As a fully protected consumer Per my right Privacy Act of 1974. This is a direct result of aggravated identity theft. Absolute Resolutions Investments , LLC will be held accountable. Trying to collect a charge off that Absolute Resolutions Investments , LLC does not have the legal authority to do so is a violation. 

18 U.S. Code XXXXA - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. Sending false validation letters through the mail is concerned mail fraud and trying to collect money for this scheme is called extortion. 

18 U.S.C. XXXX is a federal law that defines mail fraud. It states that mail fraud occurs when someone uses the U.S. mail to further a criminal act, such as by : Devising a scheme to defraud, Intending to perform fraudulent acts, Mailing something to execute the scheme, and Making false representations. 

18 U.S.C XXXX- XXXX of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than XXXX years, or both. 

As stated by your company Absolute Resolutions Investments , LLC via CFPB response this account was purchased. 

XXXX XXXX, XXXX sold Consumers account to XXXX This violates FDCPA 15 U.S. Code XXXXf - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code XXXXe ( XXXX ) - False or misleading representations ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

15 U.S. Code XXXX - Definitions ( XXXX ) Nonaffiliated third party The term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

XXXX, XXXX, XXXX and XXXX are not affiliates of the original creditors nor are they " bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the original creditor written, non written, verbal, and nonverbal per XXXX U.S. Code XXXXa. Per the FCRA as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given the original creditor, non written, verbal, and non verbal per 15 USC XXXX. I shall also point out their responsibility pursuant 15 U.S. Code section

Company response to consumer: Closed with explanation