Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( XXXX ) XXXX XX/XX/XXXXXX/XX/XXXXXXXX Subject : Formal Dispute and Request for Immediate Deletion of Collection Account ( XXXX XXXX and FCRA Compliance Demand ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following collection account currently appearing on my XX/XX/XXXXcredit file : Account Name XX/XX/XXXXOriginal Creditor : XXXX XXXX. 

Account Number : XXXX Balance : {$870.00} Date Opened : XX/XX/XXXX Status : Collection as of XX/XX/XXXX This account is being reported in a manner that violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Format Reporting Standards established by the XXXX XXXX XXXX XXXX ( XXXX ). 

Grounds for Dispute : Lack of Permissible Purpose / Incomplete Reporting ( FCRA 1681b & 1681s-2 ) : I have never entered into any agreement nor authorized Absolute Resolutions Investments to collect on this alleged debt. As such, the debt buyer must furnish documented proof of ownership, assignment, and full chain of custody from XXXX to themselves. If they can not produce this documentation, you are required to delete the tradeline pursuant to FCRA 611 ( a ). 

XXXX XXXX Format Violations ( XXXX XXXX XXXX ) : This account is inaccurately and inconsistently reported. XXXX XXXX guidelines require exact reporting of the account status, date of first delinquency, and payment history. The reporting on this account shows continuous collection status without monthly updates or valid aging, indicating the furnishing of stale, outdated, or duplicate data. This violates XXXX XXXX data integrity requirements. 

Experian Data Breach & Increased Consumer Risk : Due to Experian 's prior involvement in data breaches, the continued reporting of unverifiable third-party debt increases my exposure to identity theft and financial harm. Under FTC guidance, Experian is obligated to ensure maximum possible accuracy in the reporting of consumer information a standard that is not being met here. 

Prior Dispute Marking ( FCRA 1681i ) : This item was previously disputed, and Experian merely added the notation " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' without providing any substantive validation under FCRA 611 ( a ) ( 7 ). Failure to conduct a meaningful reinvestigation is a violation of federal law. 

Request for Action : Immediate deletion of the Absolute Resolutions Investments account from my Experian credit report ; Written confirmation of the deletion within 30 days, as required under FCRA 1692i ; If you can not delete, provide full and complete documentation including : Original assignment contracts ; Full payment ledger ; Original creditor validation signed by XXXX XXXX. 

Attached are copies of my government-issued identification and proof of residence to assist with verification. 

Please treat this as a formal reinvestigation request under FCRA 92c ( c ). Failure to comply within the statutory time frame will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the XX/XX/XXXX XXXX, and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation