Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
To whom it may concern, I have made numerous complaints regarding an alleged account being listed on my three major credit reports with numerous violations of the FDCPA both through the CFPB website as well as with the company itself and the three major credit bureaus. The complaints were made due to inaccuracy of reporting, an attempt to received proper debt validation as I dispute the debt as well as ownership and the debt buyers right to collect the alleged debt, they claim I owe. I am outraged that the Debt Buyer/Debt Collector is using false, Misleading, and misrepresenting facts, and MAKING FALSE STATEMENTS attempting to collect an alleged debt they claim I owe them. This is a clear violation of the FDCPA 15 USC 1692E, section 807 which states ( A debt collector may not use any false, deceptive, or misleading representation or means in the connection with the collection of any debt ). Furthermore, they have been reporting inaccurately on my credit reports since failing to provide the PROPER DEBT VALIDATION when it was requested in writing as is a consumer right by law. Additionally, the response by the company claiming ownership to the alleged debt has in their own words LIED IN THEIR RESPONSE WITHIN A PREVIOUS COMPLAINT ON THE CFPB WEBSITE AS SHOWN IN THE ATTACHMENT WHICH I WILL QUOTE LATER ON and clearly demonstrates the violations of misrepresenting facts, and their FALSE STATEMENTS for the alleged debt. 

In the companys response on this CFPB website in a response they made on XX/XX/XXXX it states the following -- Absolute resolutions is in receipt of the complaint filed by me the consumer on XX/XX/XXXX. They go on to say as you can read in the attachments in their own words and response that On or about XX/XX/XXXX, The loan account, Currently bearing number XXXX was issued to XXXX, XXXX XXXX. The account terms of the account allow XXXX and its successors and assigns to report this account to the credit bureaus. The last payment in the amount of {$650.00} was made on or about XX/XX/XXXX. Consumers account was CHARGED OFF due to default on XX/XX/XXXX. At the time of the charge off, the amount owed was {$21000.00}. On or about XX/XX/XXXX, XXXX sold consumers account to XXXX. At the time XXXX purchased this account, The balance was {$21000.00}. Shortly after the assignment, XXXX sent a letter notifying consumer of the assignment to XXXX and its internal account number XXXX. Validation has previously been provided to consumer multiple times, as recently as XX/XX/XXXX, which include a copy of the loan, billing statements, and assignment. Based on the foregoing, XXXX is closing this complaint. 

There is numerous issues with their response as well as their own words that clearly shows they lied, Are making false statements and misrepresentations of the alleged debt as well as ownership, as well as in violation of the FDCPA. They stated in their response THEY PURCHASED THE ALLEDGED CHARGE OFF ACCOUNT ON XX/XX/XXXX. However, in their documents they sent in an attempt to provide the required ASSIGNMENT, the blanket bill of sale is dated XX/XX/XXXX, But they claim they purchased it in their own words and writing on XX/XX/XXXX. How can a bill of sale show a date AFTER they purchased it and not the day of? So they alledge they bought this debt before they signed the bill of sale? Clear violation of the FDCPA and a FALSE STATEMENT. 
Second-within the BILL OF SALE AND ASSIGNEMNT that they claim is proper vailadation even though its not signed or dated until AFTER they claim they purchased a debt allegedly owned by ME the consumer, It states AS TO ATTACHED EXIBIT A. What is exibit A as they attached no documentation of EXIBIT A. Attached to their BILL OF SALE AND ASSIGNMENT they sent claiming an alleged debt owed by me the consumer was PURCHASED under, after the DATE they claim they purchased it in their own words and writing, it was A ROBO SIGNATURE on approximately XXXX different trusts that the claim I assume a single debt allegedly owed by ME is containing within and bought within. This is a generic, and vague assignment record with NOTHING specific to the alleged debt they claim is owed by me. Well, which XXXX if that was true? There is numerous State and Federal CASE laws that REQUIRE a DEBT BUYER TO SHOW ASSIGNMENT SPECIFIC TO THE CONSUMERS ALEDGED DEBT THEY CLIAM OWNERSHIP TO. This does not meet the mandated requirement or follow the rules set fourth in the previous State and Federal CASE LAWS on record. This was all done as relates to their false and misleading statements to try to convince me the consumer that I OWE SOME DET TO THEM, which I dispute and DO NOT NOR EVER DID. Courts have ruled and instructed debt buyers on the documentation necessary to properly allege and prove the chain of title and assignment for a collection matter. In summary, the debt buyer must show by evidence and assignment/bill of sale of the alleged debtors Specific account as part of BULK ACCOUNT TRANSFERS from the alleged assigning original company to the debt buyer. In my complaint, there is approximately XXXX different TRUSTS containing XXXX of alleged debts in each, NONE OF WHICH IS SPECIFIC TO ME as there is no attachment or exhibit A. XXXX for that matter NOTHING on the bill of sale specific to me. Furthermore, Courts also ruled that debt buyers MUST SHOW THE EXIBIT THAT INCLUDES THE DEBTORS SPECIFIC ACCOUNT. Also, they claim the original creditor that they purchased an alleged debt from that I owe was from XXXX. On or about XXXX of XXXX I requested information from XXXX attempting to validate the alleged information myself and even XXXX responded with a letter that states THEY WERE UNABLE TO LOCATE ANY RECORD OF MY NAME. 

For the above reasons as well as the actions of the Debt Buyer/Debt Collector Absolute resolutions investments LLC, I demand the account be immediately removed from my credit reports for the numerous violations of the FDCPA, and I demand that the company be held monetarily responsible for the deliberate and intentional violations as to the marital instability it has caused by their actions. I also request {$1000.00} be sent to me from them for EACH VIOLATION as allowed by law in addition to the alleged collection account being removed from my credit reports as they lied, misrepresented facts in their own words, as well as their clear deceptive actions to collect an alleged debt. Lastly, I sent multiple CEASE AND DECIST LETTERS REQUESTING ABSOUTE RESOLUTIONS INVESTMENTS LLC STOP ALL FORMS OF CONTAT WITH ME TO INCLUDE MAIL. WELL AGAIN THEY SENT MORE HARASSING MAIL DATED XX/XX/XXXX. 

Additionally, in my previous complaints I stated numerous times that the amount they were reporting according to their records along with numerous other items are inconsistent, and incorrect as the FDCPA and FCRA state MUST BE ACCURATE. Well, the amount in their own response again is DIFFERENT than the amount being reported on my consumer credit reports.

Company response to consumer: Closed with explanation