Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am filing a complaint against Absolute Resolutions Investments , LLC ( ARI ), a third-party debt buyer, for inaccurate credit reporting and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Summary of the Issue : ARI is reporting three separate collection accounts on my credit reports ( XXXX XXXX XXXX XXXX  ) that they allegedly purchased from XXXX XXXX XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. These accounts have different balances ( {$10000.00}, {$13000.00}, and {$15000.00} ). ARI did not contact me until XXXX XXXX months after acquiring the debtswithout providing proper validation within five days as required by the FDCPA and FCRA.

ARI did not provide me with a proper validation notice within five days of acquiring the debts, violating 15 U.S.C. 1692g ( a ) of the FDCPA and 15 U.S.C. 1681s-2 ( a ) of the FCRA.

ARI is reporting inconsistent balances and past due amounts on my credit reports, despite these debts being charged off by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The balances reported are {$10000.00}, {$13000.00}, and {$15000.00}, but my own recordsincluding credit reports from XXXX XXXX XXXX XXXXXXXX different payment histories, including payments that XXXX failed to properly credit. 

On TransUnion, both XXXX XXXX XXXX XXXX ( Original Creditor ) and Absolute Resolutions Investments , LLC ( Alleged Debt Buyer ) are reporting the same {$15000.00} debt, even though the account was charged off and sold by XXXX XXXX. This raises the question of who truly owns the debt and has the right to collect it. This misreporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers of credit information to report accurate data and to promptly correct any inaccurate or duplicative reporting. Such duplicative reporting creates confusion, damages my credit standing, and is misleading to any potential lenders or creditors who review my credit report. 

XXXXRI has not provided a complete chain of assignment showing its legal right to collect the debts.

ARI is also pursuing legal action against me in my local county court, even though they have failed to properly validate the debt, and their own records contain inconsistencies.

I request that ARI be required to provide proper validation of the debts, including a complete chain of assignment and an accurate account of all payments received. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), I request that ARI investigate and correct the inaccurate credit reporting and remove any duplicate accounts or incorrect past due balances from my credit reports. Reporting inaccurate or duplicative information violates the furnishers duty to maintain maximum possible accuracy and to conduct a reasonable investigation when notified of a dispute under 15 U.S.C. 1681s-2 ( b ). If unable to correct, all accounts must be removed from ALL my credit reports.

I request that ARI cease all collection activities until proper validation is provided.

I request that the CFPB investigate ARIs collection practices and reporting practices for compliance with the FDCPA and FCRA. 

Please do not close this case until these issues are fully resolved.

Company response to consumer: Closed with explanation