Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Re : **Dispute and Demand for Debt Validation Account No. : XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate validation of the alleged debt referenced above. I contend that the information reported is inaccurate, unverifiable, and potentially the result of identity theft. As a victim of identity theft, I am particularly disturbed that your agency is attempting to collect on an account that may have been fraudulently established without my authorization. I have included my original XXXX police report showing I was a prior victim of identity theft in XXXX. As a result of this incident, and due to other incidents ( XXXX  XXXX, XXXX XXXX  ) My information HAS been COMPROMISED. 

**Account Details for Your Reference : ** - **Account Name : ** XXXX XXXX - **Account Number : ** XXXX - **Original Creditor : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Date Opened : ** XX/XX/XXXX - **Current Balance : ** {$13000.00} ( updated XX/XX/XXXX ) - **Responsibility : ** Individual account Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( a ), I demand that you provide the following documentation immediately : 1. **Chain of Assignment and Title : ** Complete records establishing the entire chain of assignment from the original creditor, including all previous owners, and definitive evidence of your legal standing to collect on this alleged debt.

2. **Payment and Delinquency History : ** - Documentation of the date and amount of the last payment made on this account. 
- The exact date on which the account first became delinquent with the original creditor. 

3. **Verification of Debt Amount : ** Detailed statements that verify the current balance of {$13000.00}, including any charges, fees, or interest applied. 

Additionally, given my status as an identity theft victim, I demand an explanation as to why your agency continues to pursue collection of this alleged debt without first verifying its authenticity and confirming its connection to my personal information. 

Be advised that under the FDCPA, you are required to cease all collection activities until you have furnished the above documentation. Should you fail to provide the requested validation within XXXX days** of your receipt of this letter, you must immediately cease all collection efforts and remove any negative credit reporting associated with this account. 

This letter constitutes a formal dispute of the alleged debt. I do not acknowledge any liability and reserve all rights under federal law. Should you persist in any collection activity without providing the required validation, I will take appropriate legal action, including reporting your practices to the Federal Trade Commission, the Consumer Financial Protection Bureau, and other relevant regulatory agencies. 

All future communications regarding this matter must be in writing and sent to the address provided above. 

I expect your full and prompt response within **30 days** from the date you receive this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation