Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX Date : XX/XX/year> Subject : Failure to Provide Proper Debt Validation Demand for Immediate Deletion Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This is a formal response to your XX/XX/year> correspondence regarding the above-referenced account. I dispute the validity of this alleged debt and maintain that your office has not provided adequate validation in accordance with federal law. 
Although you stated that you have the account terms and documents in your possession, you failed to provide any of the following, all of which were clearly requested in my original written dispute : 1. A signed agreement bearing my name and signature, evidencing liability ; 2. Verification of the amount claimed ( {$4200.00} ), with a full accounting breakdown ; 3. A complete and unbroken chain of title from the original creditor to Absolute Resolutions Investments , LLC ; 4. Proof that you had a permissible purpose to access or furnish information to the credit bureaus under 15 U.S.C. 1681b ( f ).

Your failure to provide this documentation, while continuing to assert ownership or report this alleged account, constitutes serious violations of both the FDCPA and FCRA, as outlined below.

Violations Committed FDCPA 1692g ( b ) : You must cease all collection efforts until proper validation is provided.

FDCPA 1692e ( 8 ) : Reporting information you know to be disputed, without marking it as such, is deceptive.

FCRA 1681e ( b ) : You must maintain procedures to ensure the maximum possible accuracy of consumer data.

FCRA 1681s-2 ( b ) : Upon receiving a dispute, you must investigate and delete unverifiable data.

FCRA 1681b ( f ) : You may not access or report on a consumers credit file without a permissible purpose.

Chain of Title and Securitization Demand Furthermore, I specifically requested documentation demonstrating whether this account was securitized. If the original creditor sold this debt into a securitized trust, I now demand production of the following : 1. The Pooling and Servicing Agreement ( PSA ) or trust documentation showing when and how the account was securitized ; 2. Legal documentation demonstrating that the account was lawfully reassigned out of the trust back to the originating creditor prior to any sale to ARI ; 3. Confirmation that you are the rightful assignee and legal owner of the debt, with authority to collect or report on it.

Without this documentation, you lack standing and ownership interest. Attempting to collect or furnish credit data without proof of legal title and chain of custody is unlawful and constitutes willful noncompliance with federal law.

Financial Liability Exposure If this matter proceeds to litigation, you may be held liable for the following statutory damages : Statute Violation Max Statutory Penalty FCRA 1681e ( b ), 1681s-2 ( b ), 1681b ( f ) Up to {$3000.00} + punitive damages FDCPA 1692g ( b ), 1692e, 1692e ( 8 ) Up to {$1000.00} ( statutory cap ) Total potential statutory damages : $ XXXX, excluding punitive damages, actual damages, and attorneys fees. 

Final Demand You are hereby instructed to immediately and permanently delete this tradeline from all consumer reporting agencies to which it has been furnished, including but not limited to XXXX XXXX XXXX XXXX 

You have 15 calendar days from the date of this letter to comply. Failure to remove this account and provide full documentation will result in : 1. A renewed complaint to the Consumer Financial Protection Bureau ( CFPB ) ; 2. A formal complaint to the Federal Trade Commission ( FTC ) ; 3. Civil litigation under 15 U.S.C. 1681n, 1681o, and 1692k, seeking statutory, actual, and punitive damages, as well as full legal fees.

I reserve all rights available under state and federal law. This is your final opportunity to resolve this matter amicably and legally. 

Sincerely, XXXX XXXX Enclosures : Prior Dispute Letter

Company response to consumer: Closed with explanation