Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing this complaint because Absolute Resolutions Investments LLC ( XXXX ) is attempting to collect a debt that does not belong to me. They have furnished false information, misrepresented a debt, violated multiple federal laws, and are currently suing me in XXXX XXXX, Texas based on fraudulent and unverified claims. Their actions constitute serious violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ).

I am the victim of identity theft. The alleged debt XXXX claims I owe is not mine, and I have never had any account, contract, agreement, or transaction with them or with the alleged original creditor for this supposed debt. There is no privity of contract between me and XXXX. 

Despite this, XXXX has : Reported false information on my credit Refused to provide proper validation Used deceptive tactics Hired a law firm to sue me over a debt that is fraudulent and not owed Violations Committed by Absolute Resolutions 1. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) XXXX is violating multiple sections of the FDCPA, including : 1692e False, deceptive, or misleading representations Claiming I owe a debt that is not mine Attempting to collect on fraudulent/identity-theft-related information Misrepresenting the amount owed Creating the false appearance that they have legal authority 1692f Unfair or unconscionable means Filing a lawsuit without proper documentation or proof Attempting to collect a debt they know or should know is invalid Using coercive litigation to force payment on fraudulent claims 1692g Failure to provide proper debt validation They did not provide complete, itemized, and original creditor documentation They failed to properly investigate my dispute 1692d Harassment/abusive practices Using court litigation as a means of intimidation over a debt that is not mine 2. FCRA Violations ( 15 U.S.C. 1681 et seq. ) XXXX is furnishing false and inaccurate information to the credit bureaus : 1681s-2 ( a ) Reporting information they know is inaccurate 1681s-2 ( b ) Failing to conduct a reasonable investigation after I disputed the debt Causing damage to my credit profile and reputation 3. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) By engaging in deceptive, abusive, and unfair collection activities, XXXX violated : 12 U.S.C. 5531 ( a ) Prohibits unfair, deceptive, or abusive acts or practices 12 U.S.C. 5536 Prohibits covered persons from violating consumer protection laws Ongoing Lawsuit Based on Fraudulent Claims Absolute Resolutions is suing me in XXXX XXXX, Texas ( Case No. XXXX ). The lawsuit is entirely based on false, fraudulent, and unverified information. They have not produced : A signed contract Account statements Chain of title documentation Proof of ownership of the debt Any evidence linking me to the alleged account I am being forced to defend myself in court for a debt that does not belong to me.

This type of conduct is fraudulent, abusive, and illegal under federal consumer protection laws.

Requested Action by CFPB I am requesting the CFPB to : 1. Investigate Absolute Resolutions Investments , LLC for repeated violations of federal law.

2. Compel them to cease all collection activity, including the pending lawsuit.

3. Require deletion of all inaccurate credit reporting they have furnished.

4. Issue sanctions or penalties for their unlawful business practices.

5. Ensure compliance with FDCPA, FCRA, and CFPA requirements.

Conclusion Absolute Resolutions Investments , LLC is knowingly attempting to collect a fraudulent debt. They have violated federal consumer protection laws, damaged my credit, and subjected me to an improper lawsuit. I request urgent intervention by the CFPB to stop these unlawful practices and to hold XXXX accountable.

Company response to consumer: Closed with explanation