Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This submission is not a duplicate of my prior complaint. The earlier complaint focused on disputing the alleged debt and ARI/ARCs general response. This new complaint is based on new developments and new evidence now in my possession, and it raises XXXX specific issues that were not addressed or resolved : 1 ) Enforcement of the XXXX settlement resolution ( new request for confirmation and performance ) XXXX  stated in writing that the settlement resolution remains available through ARC and that : ARC stands ready to satisfy the judgment promptly upon receipt of confirmation. 
I am providing that confirmation again here. I am electing to finalize the settlement consistent with the XXXX settlement position described in that letter : acceptance of the payments already made as full satisfaction of the alleged debt and issuance and filing of a Satisfaction of Judgment. 
This complaint seeks a clear written answer from ARI/ARC : Will ARI/ARC honor the XXXX settlement resolution and promptly file a Satisfaction of Judgment upon confirmation, yes or no? If no, I request that ARI/ARC identify the specific factual and contractual basis for refusing.

2 ) Renewal notice sent to the wrong address ( new evidence and a separate dispute issue ) ARI/ARC relies on renewal service by mail allegedly sent on XX/XX/year> to an address where I did not live at that time. Because the renewal notice was mailed to the wrong address, I did not receive it and was not given a fair opportunity to dispute the renewal or timely respond. 
My actual residence during the period ARI/ARC claims it mailed the renewal notice was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARI/ARC can contact the apartment complex to confirm my tenancy during that period. 

New evidence now received ( not available at the time of the prior complaint ) The final/updated XXXX Police Department Summary Incident Report has now arrived, and I have obtained a copy. 

Identity theft dispute packet will be provided by certified mail ( XXXX XXXX ) This dispute includes identity theft claims and evidence. I will mail ARI/ARC , by certified mail, a complete packet to ensure a paper trail, including copies of : 1. The Federal Trade Commission Identity Theft Report I filed previously 2. The Identity Theft Victims Complaint and Affidavit 3. Notice to Furnishers of Information : Obligations of Furnishers under the FCRA 4. The updated XXXX Police Department Summary Incident Report filed against ARC ( final version ) 5. The older police report that names XXXX XXXX. The XXXX  letter containing the settlement statement quoted above 7. Supporting documentation showing I did not reside at the address used for the XX/XX/year> renewal mailing, and that my residence at that time was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A reasonable investigation requires ARI/ARC to review these materials once provided and to correct or cease any collection activity that can not be substantiated. 

Requested resolution ( specific and non-duplicative ) 1. Written confirmation whether ARI/ARC will honor the XXXX settlement resolution and, upon my confirmation, promptly issue and file a Satisfaction of Judgment, consistent with XXXX  statement : ARC stands ready to satisfy the judgment promptly upon receipt of confirmation. 
2. Written acknowledgement that the XX/XX/year> renewal notice was not mailed to my correct residence at that time, and a written explanation of what records ARI/ARC relied on to label the incorrect address as my last known address. 
3. Preservation of all records supporting ARI/ARCs claim that the incorrect address was my last known address in XX/XX/year>, including any address verification, prior correspondence records, and notes.

4. Written confirmation that ARI/ARC will review the identity theft documentation once received and will refrain from collection activity or collection communications that assume validity pending completion of a reasonable investigation.

5. Written confirmation whether ARI/ARC has furnished or intends to furnish information about this alleged account to any consumer reporting agency and how ARI/ARC will ensure accuracy and dispute reporting while the investigation is pending.

Company response to consumer: Closed with explanation