Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18050631
Complaint Overview
Complaint ID: 18050631
Company: Absolute Resolutions CORP.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19141
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Absolute Resolutions Investment, LLC is attempting to collect an alleged debt from me without providing legally required validation, proof of ownership, or evidence of contractual obligation. Despite my formal request for debt verification, the company failed to supply competent evidence that the account is valid, that they own the debt, or that I agreed to any contract with the original creditor. This conduct violates multiple provisions of federal law and constitutes unlawful debt collection activity, inaccurate credit reporting, and failure to comply with statutory verification duties. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Absolute Resolutions Investment failed to provide proper debt validation after receiving my dispute. Under federal law, a debt collector must cease all collection activity until verification is mailed to the consumer. They did not provide : A copy of the original signed agreement or contract Evidence I agreed to the debt Proof they lawfully purchased or were assigned the account A complete itemized accounting of the balance Proof the alleged debt is still legally enforceable Continuing collection without validation is an explicit statutory violation. Violation of 15 U.S.C. 1692e Absolute Resolutions Investment has misrepresented : The legal status of the alleged debt Their right to collect it The accuracy of reported amounts The existence of a valid contractual obligation Reporting or collecting without proof constitutes deceptive conduct under federal law. Violation of 15 U.S.C. 1692f Attempting to collect an unverified debt with no evidence of ownership or obligation is an unfair and unconscionable collection practice. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and ( b ) Absolute Resolutions Investment furnished information to consumer reporting agencies without verifying accuracy and failed to conduct a lawful investigation after dispute. This violates : The duty to report only accurate information The duty to investigate disputed data The duty to delete unverifiable information If information can not be validated, it must be removed by law. Violation of FDCPA and Common-Law Assignment Principles A debt buyer must show : A valid chain of custody A bill of sale naming the account Proof of assignment from original creditor No such proof has been provided. Without ownership, Absolute Resolutions Investment has no legal standing to collect or report. Failure to comply constitutes : Continued violations of federal law Exposure to statutory damages Exposure to actual damages Exposure to attorney 's fees and court costs under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o
Frequently Asked Questions
What is Complaint #18050631 about?
Complaint #18050631 was filed against Absolute Resolutions CORP. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Absolute Resolutions CORP. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Absolute Resolutions CORP.?
Yes, visit the Absolute Resolutions CORP. company profile at readthecomplaint.com/company/absolute-resolutions-corp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.