Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I am writing to dispute the alleged debt referenced in your correspondence and to demand that you immediately cease collection activity. This letter will also be provided to the Consumer Financial Protection Bureau in connection with a complaint. 

I dispute the alleged debt in its entirety. I do not acknowledge any debt, obligation, liability, or judgment to Absolute Resolutions Corporation, Absolute Resolutions Investments , LLC, or any related entity. Nothing in this letter is an admission of liability, a waiver of rights, or a promise to pay. 

I received your Notice of Sale and Assignment of Account dated XX/XX/XXXX stating you purchased an alleged account from XXXX XXXX XXXX XXXX I responded with a written dispute and cease-and-desist letter dated XX/XX/XXXX. Despite that formal dispute, I later received your letter dated XX/XX/XXXX attempting to revive the same disputed claim. This is not a new matter. It is a renewed attempt to collect on a claim that has already been formally disputed and that should have been closed. 

After my XX/XX/XXXX dispute, your company issued a written response stating it had received a complaint filed by me and that it was closing this complaint, while making assertions including that a judgment had been entered and renewed and that validation had been provided. Those assertions do not resolve the dispute and do not justify renewed collection without producing the underlying documents. 

The underlying claim is extremely stale. The alleged underlying obligation dates back more than XXXX years. Any attempt to pressure payment on a claim of this age, particularly after a prior written dispute and after the matter was resolved through formal channels, is improper. 

This matter has been resolved through formal dispute channels with the original creditor. It was handled through the XXXX mediation program with XXXX XXXX. A mediation session occurred on XX/XX/XXXX, and XXXX issued a written outcome letter dated XX/XX/XXXX confirming the mediation resulted in an agreement and indicating XXXX XXXX would contact the customer to process the agreement. I will not disclose confidential mediation terms in this letter. The existence of this mediation agreement supports that renewed third-party collection activity is improper. 

This matter was also resolved with GCFS. XXXX, through counsel, issued written settlement communications dated XX/XX/XXXX stating that XXXX would accept amounts already paid as settled in full, and collection activity stopped thereafter. Settlement communications and any related agreement contain confidentiality provisions ; I will not disclose confidential settlement terms in this correspondence. However, you can not obtain greater rights than XXXX held at the time of any alleged transfer, and you can not lawfully attempt to revive collection activity after XXXX represented the matter would be resolved and collection stopped. 

Your correspondence references a purported judgment in XXXX XXXX XXXX, California, case number XXXX, with a judgment date of XX/XX/XXXX. If you contend you have any authority connected to any judgment, you must provide strict proof of standing, including proof you are the judgment creditor of record or authorized agent and proof of any properly executed and recorded assignment. You have previously asserted in writing that the judgment was renewed. If you continue to claim that, you must provide documentary proof showing the renewal filing date ( s ) and the renewal itself.

If you contend you have any rights or authority regarding this alleged account or any related judgment, provide strict proof of ownership and authority, including a complete chain of title from the original creditor through every intermediate owner to your entity. This must include the full forward flow agreement ( s ), bill ( s ) of sale, assignment document ( s ), and the specific account schedule or asset file showing the alleged account was included in each transfer, along with effective dates. If you claim judgment enforcement rights, also provide the assignment of judgment and proof of recording or filing establishing you as the current judgment creditor of record or authorized agent. Absent these documents, you must treat the matter as unverified, close your file, and cease all collection and reporting.

This matter is resolved and closed. I will not enter into any payment arrangement or settlement discussions regarding this disputed claim.

Because this matter is disputed and has been resolved, you must immediately cease all collection activity and communications. You must also take the following corrective actions : Confirm in writing that you have closed your file and will take no further collection action.

Confirm in writing that you will not sell, transfer, or place the alleged account with any other third party.

If you have furnished any information about this alleged debt to any consumer reporting agency, delete any tradeline in full and provide written confirmation of deletion. If no reporting has been made, confirm in writing that you will not report now or in the future.

If you contend you own or control any judgment enforcement rights, file or cause to be filed a Satisfaction of Judgment and provide a conformed copy, or provide written proof that the matter has already been satisfied, released, vacated, or otherwise terminated. 

All communications must be in writing only. I do not consent to telephone calls, text messages, email, or contact at my workplace. Do not contact third parties regarding this disputed matter. 

Preserve all records relating to this matter, including account notes, call logs, recordings, letters, transfer documents, payment histories, and any credit reporting history. This includes any documents you contend constitute validation previously provided and any documents supporting your claim that a judgment was renewed. 

If you continue collection activity, attempt to enforce any judgment, threaten action not legally available, sell or reassign the alleged account, or furnish inaccurate or unverifiable information to any consumer reporting agency, I will submit complaints to the Consumer Financial Protection Bureau, the XXXX Department of Financial Protection and Innovation, and the XXXX Attorney General. I will also provide the same materials to the Minnesota Attorney General and any other appropriate enforcement agencies.

Company response to consumer: Closed with explanation