Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
I am writing to file a formal complaint against Absolute Resolutions Investment, LLC regarding deceptive and inaccurate debt collection practices that have resulted in negative and incorrect reporting on my credit report. The companys actions violate several provisions under the Fair Credit Reporting Act ( FCRA ), Privacy Act, and other consumer protection laws. 

Details of the Complaint : Duplicate Reporting of Debt : Absolute Resolutions Investment, LLC has reported the same debt twice on my XXXX credit report, with reference numbers 1692G and 1692B. This constitutes inaccurate and misleading reporting of my credit history and is a violation of the FCRA. There is no explanation provided by the company for this duplicate reporting.

Failure to Validate Debt : I have requested validation of the debt in question as required under FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], but the company has failed to provide proper documentation. Specifically, they have not furnished a purchase agreement or proof that they have the legal right to collect on this alleged debt. This failure to validate the debt is a direct violation of the law. 

Violation of the Privacy Act : Absolute Resolutions Investment, LLC has failed to adhere to the Privacy Act ( 5 U.S.C. 552a ) regarding the handling of my personal information, including the unauthorized use of my Social Security Number. They have not obtained my written consent to report or use my personal data, which is a clear violation of federal privacy laws.

Deceptive Practices : Under FCRA 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in the collection of a debt. Absolute Resolutions Investment, LLC has falsely represented the character, amount, or legal status of the debt, and has failed to disclose the necessary details regarding the debts assignment, purchase, or other related actions. 

Failure to Provide Full Disclosure : Despite repeated requests, the company has not disclosed whether the debt was assigned to them or if it was purchased. They have not provided documentation or adequate information regarding the terms or origin of the debt. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate the actions of Absolute Resolutions Investment, LLC for non-compliance with the Fair Credit Reporting Act, the Privacy Act, and any other relevant consumer protection laws. I ask that the CFPB ensure the following actions be taken : Removal of the duplicate debt reporting from my credit report. 
Validation of the debt, including the provision of any purchase agreements or documentation.

Immediate correction of any false or misleading information reported by Absolute Resolutions Investment, LLC.

Compliance with the Privacy Act regarding the unauthorized use of my Social Security Number.

I would appreciate your assistance in resolving this issue and ensuring Absolute Resolutions Investment, LLC is held accountable for their violations of federal law.

Thank you for your time and consideration. Please let me know if you require any additional information or documentation to process this complaint.

Company response to consumer: Closed with explanation