| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX ABSOLUTE RESOLUTIONS I Account # XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account.
Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These sections also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided is the result of identity theft.
Please investigate this matter, close the account and absolve me of all charges, take the steps required of you under the FCRA, and send me a letter confirming your findings and actions, as soon as possible.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 168li ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft.
( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title.
ENCLOSURE : FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) Requirements on Users of Consumer Reports Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
ENCLOSURE : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies Duties of Furnishers upon Notice of Identity Theft-Related Information ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
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| 01/09/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom it XXXX concern, On XX/XX/XXXX i filed an initial complaint under # XXXX with the Consumer Financial Protection Bureau XXXX XXXX alleged unverified and unvalidated debt attempting to be collected by Absolute Resolutions Investments LLC XXXX XXXX of XXXX. To summarize the complaint, In XXXX of XXXX i was made aware that an alleged debt collection account was opened and placed on my Consumer Credit Reports on or about in XXXX of XXXX by Absolute Resolutions Investments LLC. Not receiving any prior notice to this alleged debt, I sent a written letter to the furnishing company of Absolute Resolutions Investments LLC requesting verification, validation, Proof of ownership, and included a request for documentation as well as the original contract with my aledged signature. This also included a request for the alleged contract I somehow unknowingly was alleged to have with the furnisher " Absolute Resolution Investments LLC ' that they were attempting to collect. The written letter and request was sent via CERTIFIED XXXX MAIL on XX/XX/XXXX and conformed being delivered to Absolute Resolutions Investments LLC on XX/XX/XXXX at XXXX hours. STILL TO THE CURRENT DATE OF XX/XX/XXXX, Absolute Resolutions Investments LLC still has not sent the requested information and documentation to validate and verify this alleged debt as well as proof of ownership along with the requested original contract. Furthermore, In their response they claim that they sent and provided me with the requested information on XX/XX/XXXX VIA a XXXX party and their process server at the time of XXXX, XXXX, XXXX XXXX XXXX, PA in the form of a Validation Dent Packet. THIS WAS NEVER RECEIVED BY ME, The alleged responsible party of the alleged debt. Additionally, Absolute Resolution Investments LLC XXXX in their response that " XXXX XXXX has received several validations of debt packets on behalf of XXXX ''. This is also untrue as i have never received any of the requested information that was requested in the written request or associated documentation. Absolute Resolution Investments LLC still provided inaccurate, unverified, and unvalidated information to my consumer XXXX XXXX in violation of the FCRA. Additionally, in an attempt to correct their false reporting of the alleged debt, they made numerous changes to my consumer credit reports prior to submitting their response to my complaint in an attempt to conceal their inaccurate reporting and still currently are reporting inaccurate, unverified and unvalidated information for the alleged debt they claim i owe them or responsible for. See the attached complaint and their response as they can not provide any certified records or receipts of the information, they claim like i provided for my request.
But now i have an additional complaint and clear violation of my FCRAP rights in addition to the other violations they have committed. Found within my normally delivered XXXX Mail while attempting to locate the alleged debt validation packet they claimed they sent me as requested, I located ( XXXX ) letters from 3RD PARTY DEBT COLLECTORXXXX claiming they were attempting to collect a DEBT on BEHALF of Absolute Resolutions Investments LLC. The first letter is dated XX/XX/XXXX and was sent by " XXXX XXXX XXXX '' as a notice of intent to settle. " XXXX XXXX XXXX '' is a XXXX party vendor contracted on behalf of XXXX XXXX XXXX XXXX according to their letter of " Notice of Intent to Settle ''. The second is a letter from XXXX XXXX which is ANOTHER XXXX party vendor that shows a statement with an alleged amount due, and states they are attempting to collect an alleged debt for and on behalf of Absolute Resolutions Investments INC. Furthermore, in their own response to my first initial complaint with the Consumer Financial Protection Bureau, Absolute Resolutions Investments LLC. claimed they had their process server of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX send me a validation of debt packet, WAS NEVER RECEIVED. This as well is another XXXX party vendor acting on behalf of XXXX XXXX XXXX XXXX.
According to a court ruling on XX/XX/XXXX in the case of XXXX XXXX XXXX XXXX collection and XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX for the United States of America ruled that a debt XXXX transmittal of a consumers personal information to a dunning XXXX party vendor was a third party communication in violation of XXXX U.S.C XXXX ( b ). Additionally, by XXXX XXXX XXXX XXXX transmitting my personal information in reference to this alleged debt they still have not verified or validated, violated my rights under the FCRAPA ( Fair Credit Reporting Act, Privacy ) as rendered in the United States XXXX XXXX XXXX XXXX XXXX by way of transmitting my Name, Alleged outstanding balance, The fact that the alleged debt resulted from another XXXX company to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, as well as who they claimed was their process server of XXXX, XXXX, XXXX XXXX XXXX PA, all who of which used this data to create, print and mail dunning letters to me the consumer in the form of " Notice to intent to settle '' sent by XXXX XXXX XXXX, " Statement ' by XXXX XXXX, and what they claim was a Debt Validation Packet sent by XXXX, XXXX, XXXX XXXX XXXX in their own response by XXXX XXXX XXXX XXXX which was never received by me.
XXXX Resolutions XXXX in addition to violating my rights under the FCRA as it pertains to my right to request proof and documents of the alleged debt to include original contract signed by me, have also now violated by Rights and privacy listed under the XXXX by transmitting my personal information to ( XXXX ) separate XXXX party vendors.
XXXX XXXX XXXX XXXX transmitted my personal information regarding the unverified and unvalidated alleged debt in violation of FDCPA section XXXX ( b ) which provides that without prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgement judicial remedy, A debt collector XXXX not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, or attorney of the debt collector.
Additionally, the findings rendered by the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX also rendered in their decision that for their violations, The violating company is now actionable for money damages.
For these numerous violations and misrepresentation of facts purposely done and reported by XXXX XXXX XXXX, I demand complete removal of the unverified and unvalidated alleged debt, as well as that they be held responsible for their purposeful violations of the FCRA and XXXX. A copy of this complaint will be processed with the Attorney General 's office for the XXXX of Maryland for review as well as legal representation due to their neglect, and violations.
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| 08/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX IN RESPONSE TO CFPB : XXXX ABSOLUTE RESOLUTIONS I XXXX YOUR COMPANY HAS STATED THAT MY IDENTITY THEFT REPORT IS DATED FOR XX/XX/XXXX, THIS IS INCORRECT. MY IDENTITY WAS STOLEN IN XXXX, WHEN I MADE THE AFFIDAVIT. CLEARLY IF YOU HAVE DONE A PROPER INVESTIGATION YOU WOULD SEE THE DATE OF THE XXXX. PER YOUR CONVENINECE I HAVE FILED A NEW FTC REPORT STATING THE DATE AFTER WHICH MY IDENTITY WAS STOLEN THAT THIS ACCOUNT WAS MADE WITHOUT MY KNOWLEDGE.
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RCS & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Disputing the Debt, Dated this XXXX day of XX/XX/XXXX By : _____________________________________________ XXXX, XXXX XXXX ( expressly all rights reserved ), Real Party in Interest, Live breathing man.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX XXXX XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt.
Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
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| 06/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was taken advantage of by a debt counseling program which was resolved by the attorney generals office. At the time it was resolved and I was made whole, I contacted both creditors involved. They were both owned by XXXX XXXX, but one was a Visa and the other was an XXXX XXXX. The Visa department had no issue with working with me and keeping the same arrangement and terms. They were willing to refund the fees and interest as well as reduce the APR. They were understanding of the fact that if not for the lack of actions by the debt counseling program I would have made timely payments. I started out owing them over {$1100.00} and currently owe them {$550.00}. The XXXX XXXX division refused to work with me. They basically said that they did not care why the payments were not made that the fees would stand. Additionally, they would not keep the terms that they had previously agreed with the debt counseling program with me. I continued to call them and battle with them and eventually they sold off the account. At that time I received correspondence from two entities claiming that I owed them for this account. XXXX XXXX XXXX and Absolute Resolutions. I called both explaining to them the previous circumstances and that I needed something in writing stating that they were the owner of the debt. They basically laughed at me, mocked me and threatened me with suing me and ruining my credit, which was already being done. I left voice messages, I clicked on the contact us button on Absolutes website leaving messages regarding the situation. When I would call they would route my call to the same guy and he would harass me by speaking down to me and asking me many questions to verify who I was and some I was not comfortable with answering or did I think was necessary, especially since they were not willing to verify their position or control of the debt, therefore he would proclaim that he could not tell me ANYTHING and would end the call. I explained over and over the situation previously resolved by the attorney generals office and they just mocked me, called me a dead beat in so many words and just refused to work with me on any level.
I first placed debt with the debt counseling company in XX/XX/XXXX. I have been diligently tracking this account since for 23 months and it has been as taxing as a full-time job. Even when I explained to Absolute that I had lost my job and was still willing to work something out, they just refused me at every turn to create something in writing. They wanted me to send in blind payments or pay it in full I was not willing to do the first and not capable of the latter. If any one of the entities, XXXX XXXX, Absolute Resolutions, or XXXX XXXX had been willing to work with me and give me something in writing, be fair and understanding to the fact that I was doing everything I was capable and topped with being defrauded by the debt counseling company we would NOT be in this situation, today and they would have received much payment as well as releasing their hostage hold on my credit score. It is because of their negligence that we are in this situation now. The emotional toll and the stress of my due diligence has been significant ( I have received professional counseling, due to the toll it has taken on me ) and I deserve to expect compensation of these damages, not to mention the detriment to my credit. I believe XXXX XXXX was more concerned with running my credit into the ground and sticking it to me than they were willing to work with me. My credit has suffered due to this for 23months preventing me from any other credit options or financing to remedy this. I believe Absolute Resolution lumped me into a group passing judgment on me rather than listen and realize the special circumstances and work with me., either way it is there negligence things have come to this point and my damages at this point are more significant than theirs, complied by the fact that I have been in contact with someone regarding this account every month for the last 18months minimum, I dont feel they should be allowed to collect. At this time, Absolute is suing me in XXXX XXXX Court. Additionally, it was not until COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was answered that I knew emphatically whom the debt was owed, except for the fact that just a week or so prior to receiving the answer they sued me. I have no other accounts in collection ; all of my accounts are paid as they are supposed to - my reputation and status of ALL other accounts proves that I was willing at all times to pay this debt, if I had just been allowed.
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| 12/06/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good morning, To whom this may concern, I am outraged that this alleged debt collection company continues to report inaccurate, unverified, and wrong information to the 3 major credit bureau 's after ignoring my written request for validation, verification and proof of documents now almost 3 years ago which was sent via certified mail and confirmed delivery. All collection efforts per the FCRA were to stop until they provided the requested verification and validation for the alleged debt they are illegally reporting.
In XXXX of XXXX i was made aware that an alleged debt collection account was opened and placed on my Consumer Credit Reports. Not receiving any prior notice related to this alleged debt, I sent a letter to the furnishing company of Absolute XXXX Resolutions XXXX requesting verification and validation to include documentation pertaining to the alleged debt they were reporting.
My written request was sent on XX/XX/2020 via certified U.S. mail, and confirmed delivery on XX/XX/2020 at XXXX hours. after sending the written request for validation and verification to include requesting documentation, Absolute XXXX Resolutions XXXX did not respond at all to my request completely ignoring it and continued still to this day attempting to collect an alleged debt that they still failed to validate and verify. Additionally, Absolute XXXX Resolutions XXXX continues to report inaccurate, unverified, and unvalidated information to the ( 3 ) major credit reporting agencies to include reporting DIFFERENT information to all 3 credit agencies. On one report they are listing past due amounts with a term limit. A collection account is past due by default. A term limit is defined as " An agreed upon time between the consumer and business '' which i have had NO CONTACT, and NEVER AGREED to anything. Furthermore, they are reporting the account as OPENED which is also false and being that they ignored my request for validation and verification, they were to stop ALL collection efforts until they validated and verified it which they have ignored.
Additionally, The account they are alleging to collect on, the records i show for the alleged account are reflecting PAID OFF COMPLETLY, however i have no knowledge if this is even the same account.
I Demand that for their negligence, their refusal to answer or acknowledge my written request for almost 3 years, and their continued inaccurate reporting of unverified and unvalidated information, this account be immediately removed from my credit reports, and Absolute Credit Resolutions be held accountable for the multiple violations of the FCRA, in addition to the financial harm it has caused me.
Also, I have disputed the alleged information Mutiple times with the ( 3 ) major credit reporting agency 's. ALL ( 3 ) credit bureaus have also FAILED TO INVESTIGATE my claims and continue to allow the unverified, unvalidated, and false information to continue being reported WITHOUT properly investigating my claims pursuant to the FCRA. The FCRA extends my rights as a consumer to a COMPLETLY FAIR AND ACCURATE CREDIT REPORT, and they MUST properly INVESTIGATE disputed inaccuracy 's, which all of the disputes they FAILED to PROPERLY INVESTIGATE, and simply stated they " Verified '' with the furnisher. I DEMAND to know HOW they verified it as it clearly shows inaccurate and different information on ALL ( XXXX ) reports which if the information was accurate should ALL be reporting the same as well.
I have attached and provided documentation of my claims, and prof that Absolute XXXX Resolutions violated my rights provided to me under the FCRA as well as the Credit Reporting Agency 's for failing to report accurate, verified and validated information, as well as allowing me to have a 100 % accurate credit report free of errors and inaccuracies, as well as failing to investigate my disputes, and causing me financial harm in the process.
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| 05/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 10/22/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws.
Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent.
I am bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations.
It would be advisable that you and your client assure that your records are in order as I am now taking legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent since legal action is necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information back.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Subject : Demand to Delete Fraudulent Collection from Consumer Report Dear Sir/Madam, I am writing to you in regards to a fraudulent collection that has been reported on my consumer report. I demand that Absolute Resolutions immediately remove this fraudulent collection from my consumer report within four business days from the receipt of this letter. Failure to comply with this demand within the specified timeframe will result in legal action against Absolute Resolutions for each violation, seeking damages of {$1000.00} per violation.
I am legally refusing to pay the debt associated with this collection, pursuant to the provisions set forth in 15 U.S. Code 1692c ( c ). This code clearly establishes the consumer 's right to refuse payment of a debt that is deemed fraudulent or not properly validated.
I must emphasize that Absolute Resolutions shall be held liable for violations of several crucial federal laws and acts, including but not limited to : 1. Truth in Lending Act ( TILA ) 2. Fair Credit Reporting Act ( FCRA ) 3. Gramm-Leach-Bliley Act ( GLBA ) 4. Consumer Financial Protection Act ( CFPA ) 5. Sherman Antitrust Act 6. Robinson-Patman Act 7. Clayton Act 8. Federal Trade Commission Act ( FTC Act ) 9. Racketeer Influenced and Corrupt Organizations Act ( RICO Act ) I believe that Absolute Resolutions ' actions in reporting and maintaining this fraudulent collection on my consumer report are in direct violation of the aforementioned laws and acts. Specifically, 15 U.S. Code 1692 ( a ) grants consumers the right to privacy and protection from unwarranted disclosure of their non-public personal information. By having and using my non-public personal information, Absolute Resolutions is committing identity theft.
I hereby demand that you immediately and permanently remove this fraudulent collection from my consumer report within XXXX business days from the receipt of this letter. Failure to comply with this demand within the specified timeframe will leave me with no choice but to file a lawsuit against Absolute Resolutions for each violation of the applicable laws and acts mentioned above, seeking damages of {$1000.00} per violation.
Please be advised that if legal action becomes necessary, I will seek appropriate damages and remedies as provided for by the law. I am confident that a resolution can be reached amicably, and I hope to avoid any further escalation of this matter.
I expect a written response from Absolute Resolutions acknowledging the receipt of this letter and confirming the removal of the fraudulent collection from my consumer report. Please provide me with written confirmation from the credit reporting agencies reflecting the removal of the collection.
Please direct all future correspondence regarding this matter to the address listed above or via email at XXXX. I trust that Absolute Resolutions will handle this matter with utmost urgency and in compliance with the laws and regulations governing consumer rights.
Thank you for your immediate attention to this matter. I look forward to a prompt resolution and your cooperation.
Sincerely, XXXX XXXX
|
| 12/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX XXXX XXXX is threatening to execute a judgment obtained without proper service, and there are concerns they might use it in a deceptive manner. I haven't informed them of this issue yet, fearing potential retaliation.
XXXX XXXX XXXX initially contacted me regarding an old debt in XX/XX/XXXX, representing Absolute Resolutions VI LLC. This was my first contact with them, and upon checking, I found the last activity on the account dated back to XX/XX/XXXX.
In response, I disputed the debt due to exceeding the time limits for collection. I requested proof of the last activity date, stating that the debt surpassed the statute of limitations, and further discussion was unnecessary.
They replied on XX/XX/XXXX, including a copy of a judgment granted on XX/XX/XXXX, which I was unaware of. They attempted to serve me at an address where I no longer lived, and hadn't for four years.
Upon investigation, I found evidence suggesting they should have known about my new address. The lawyer who filed the suit, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, should have easily determined the correct address. This raises questions of either a failure in due diligence, an incorrect address from Absolute Resolutions VI LLC, or a deliberate attempt to serve papers at an outdated address.
The last possibility may seem like a strong allegation, but there are reasons supporting it : XXXX. I have a credit report from XXXX listing my current address since the change in XXXX, available to any collection agency.
XXXX Letters from XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, representing Absolute Resolutions VI LLC , show they knew my correct address. Speaking with XXXX XXXX XXXX, they told me that it is the responsibility of the collector and not the holder of the debt, Absolute Recovery VI, LLC to update the debtors address and will sue skip tracing if needed to get this information.
As I prepared to inform the court about this, XXXX XXXX XXXX sent another letter threatening to execute the judgment. Given the lack of my knowledge about this judgment and its potential deceptive use, there should be a way to prevent them from taking action.
My plan is to notify the court in XXXX XXXX, New York, where the judgment was filed. I hesitate to directly complain to XXXX XXXX XXXX, unsure if honesty is the best course given potential retaliation. I hope filing a complaint with your office will lead to a resolution without retaliation or deceptive practices from XXXX XXXX XXXX.
XXXX XXXX : I have confirmed that XXXX XXXX XXXX, XXXX. now works at XXXX XXXX XXXX and can be contacted via ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Verified through XXXX XXXX XXXX I have contacted Absolute Resolutions VI LLC XXXX XXXX XXXX XXXX and they told me to contact XXXX.
They are located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX I found a compliance office contact at XXXX XXXX VI XXXX : XXXX XXXX, Chief Compliance Officer - XXXX / XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) Contact name listed as XXXX XXXX
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have an outstanding debt that I have been paying to Absolute Resolutions Investments , LLC ( XXXX ) through their collector, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) The arrangement was formalized with a court hearing in XXXX.
1 ) The company that I owed the debt to XXXX XXXX an affiliate of XXXX XXXX XXXX sold the debt to ARI 2 ) XXXX XXXX contracted with ( XXXX ) to collect the debt 3 ) XXXX sent me a letter dated XX/XX/XXXX advising that they now owned the debt and I needed to pay in full or make payment arrangements 4 ) I called XXXX and made arrangements to pay monthly letter of confirmation dated XX/XX/XXXX 5 ) During the time of the payment with no missed payments XXXX sent me a confessed judgement letter to be signed by myself and to continue with the same payment arrangement as before. I did not sign it but continued to pay.
6 ) Despite the fact that I was honoring the payment arrangement with no missed payments ARI/XXXX filed a lawsuit ( weaponizing the court system ) 7 ) Absolute Resolutions Investments filed for a judgement 8 ) I went to a court hearing XX/XX/XXXX where the attorney for XXXX accepted a written payment arrangement which I have honored in exchange for dismissing the judgement 9 ) In XX/XX/XXXX for the first time a negative collections mark appeared on my credit report from ARI 10 ) I called ARI to find out why. They said that in XXXX they got permission to report debts to the Credit Bureaus and my payment arrangement does not exclude that 11 ) ARI has acted in bad faith. I honored the arrangement I missed no payments.
12 ) Their action immediately caused my credit report to drop by 23 points 13 ) The negative collection account report on my credit report affects my ability to get employment, my ability to get housing, my ability to get loans and if I get loans significantly increases my interest rate.
14 ) ARI has significantly harmed a paying client/customer/debtor who is completely cooperating 15 ) The payment arrangement has not changed 16 ) This situation represents an abuse of their power and position 17 ) XXXX sends me a mail confirmation of payment received each month 18 ) They sent me no other communication 19 ) There was no notice sent about their intent to take this aggressive and punitive action against me 20 ) I do not doubt that ARI have many accounts not paying as agreed. I have just received the same penalty as those debtors. ARI has not demonstrated the ability to responsibly use this powerful tool that they have weaponized against cooperating debtors 21 ) I am requesting that they remove this negative remark from any and all credit bureaus immediately
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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After receiving notification that there's been a change to my credit report I have sent multiple letters to Absolute Resolutions. At first, I admittedly was ignorant to the process of how I had 30 days to get them to validate the alleged debt. However, after being denied for car loans, credit cards and other opportunities, I decided to educate myself on my rights as a consumer. I came to find out that I had the right to ask them to validate the debt by sending me all documentary evidence including all reports, accounting ledgers, contracts that would give them rights to holder in due course. This company has never had my expressed or implied consent. This company has never attempted to satisfy my requests although in my letters I explained that it was not a refusal to pay, however its my right to validate. The only thing that I received was terms and agreements that did not bear anything that showed my name, signature or consent. Since XX/XX/XXXX, I have written multiple letters and sent via certified mail explaining my situation and what I would need from the company to resolve this issue. My last dispute had taken place in XXXX. I have all specific dates from copies of my correspondences, certified mail return receipts and the terms and conditions that they sent me that did not accompany any other documents that bear my endorsement. However, I'm typing this from the library and did not bring those documents with me. I could however bring these documents back and scan them if it would help me get relief from this nightmare. I also had filed multiple disputes with XXXX and XXXX through certified mail and these disputes have came back verified. However, when I asked for the method of investigation, who conducted the investigation and the information that was found to substantiate the right to furnish this on my report I have gotten nothing. My report showed that the " dispute is resolved but the consumer disagrees ''. I was under the assumption that consumer reporting agencies had a grave duty to with impartiality to make sure that they report fair and accurate information. This dispute has taken countless hours of my time going to the library to research, type letters, mail said letters, and ultimately wait for no results to date. This reporting has tarnished my image, misrepresented me as a natural good person and caused my financial damage while missing out on opportunities to better my life.
15 usc 44, irs publication 583, ucc 3-302, 15 usc 1602 ( a ) ( 5 ), 15 usc 1692 a-k, 15 usc 1611, 18 usc 1961 , 15 usc 1681 604 ( a ) ( 2 )
|
| 12/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Morning ARC Compliance Team ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Absolute Resolutions Corporation is trying to recover what they claim to be a purchased debt, yet the amount owed and the charge off date do not match what is on my credit report. They first tried to collect on a debt originally owned by XXXX, who closed the account according to the CRA in XX/XX/XXXX. Absolute Resolutions Corporation first used XXXX XXXX XXXX to attempt to collect the debt on or around XX/XX/XXXX. XXXX XXXX XXXX in addition to attempting to collect with the wrong amount owed and charge off date also violated The Truth in Caller ID Act. After filing a complaint with the Attorney General 's Office of Missouri, XXXX XXXX XXXX made the decision to no longer pursue the debt and promised to send it back to the original creditor. They interpreted their statements as Absolute Resolution Corporation being the original creditor not fulfilling what they stated they would do.
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, claiming that the debt had now been placed with them and they were also trying to collect with the same incorrect and misleading information regarding the charge off date and amount owed. Another complaint was immediately filed to the Attorney General 's Office of Missouri.
On XX/XX/XXXX, I received a letter from the Attorney General 's Office stating that ARC claims no wrongdoing and that their office is unable to provide the relief I'm seeking and that my complaint is not without merit and I should consult a private attorney.
Again, ARC claims that the debt is validated and produces various documentation that doesn't reflect the same information that was reported by the original creditor on any of my credit reports.
With no judgment against me, no lawsuit filed against me, no open account for this debt on my credit report, one collector who decided to no longer pursue my account, and a lot of information online saying Absolute Recovery Corporation and XXXX XXXX XXXX are scams, I do not feel like they have the authority to collect this debt. Absolute Recovery Corporation despite providing documentation has failed to validate by providing inaccurate and misleading information on the charge off date and amount owed on this debt.
I am happy to provide all correspondence they've sent through the Attorney General 's Office, in addition to my credit report, to prove that what they claim doesn't match the information reported by the original creditor to the three main CRA 's.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Notice for Proof of Claim Account : ABSOLUTE RESOLUTION INVESTMENTS LLC XXXX ToWhom it may Concern : This this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 10/24/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
ABSOLUTE RESOLUTIONS I XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I REQUESTED ARC ( ABSOLUTE RESOLUTIONS CORPORATION ) TO VALIDATE THE DEBT OF ACCOUNT XXXX, IDENTIFIED THE DEBT AS XXXX XXXX DBA XXXX XXXX ACCOUNT ENDING IN XXXX. HOWEVER, ARC STILL HAS NOT SENT ME ANY DOCUMENTS VALIDATING THE DEBT. IT HAS BEEN MORE THAN 30 DAYS. I WOULD LIKE THE DEROGATORY MARKS OF COLLECTION FROM ARC DELETED FROM ALL MY CREDIT REPORTS FOR ALL CREDIT REPORTING AGENCIES INCLUDING XXXX, XXXX, AND XXXX. I ALSO WANT ARC TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.
000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, I AM RESPONDING TO YOUR CONTACT ABOUT COLLECTING A DEBT. YOU CONTACTED ME BY MAIL, ON XX/XX/2021 AND IDENTIFIED THE DEBT AS XXXX XXXX DBA XXXX XXXX ACCOUNT ENDING IN XXXX.
IF YOU HAVE GOOD REASON TO BELIEVE THAT I AM RESPONSIBLE FOR THIS DEBT, MAIL ME THE DOCUMENTS THAT MAKE YOU BELIEVE THAT. STOP ALL OTHER COMMUNICATION WITH ME AND WITH THIS ADDRESS, AND RECORD THAT I DISPUTE HAVING ANY OBLIGATION FOR THIS DEBT. IF YOU STOP YOUR COLLECTION OF THIS DEBT, AND FORWARD OR RETURN IT TO ANOTHER COMPANY, PLEASE INDICATE TO THEM THAT IT IS DISPUTED. IF YOU REPORT IT TO A CREDIT BUREAU ( OR HAVE ALREADY DONE SO ), ALSO REPORT THAT THE DEBT IS DISPUTED.
THANK YOU FOR YOUR COOPERATION.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS.
ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT.
THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS.
PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.
I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " ABSOLUTE RESOLUTIONS INV '' collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your ABSOLUTE RESOLUTIONS INV to try to settle this collections account several times.
On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from ABSOLUTE RESOLUTIONS INV, because I was traveling to support family members with COVID-19 infections.
On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( ABSOLUTE RESOLUTIONS INV ) entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service.
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from ABSOLUTE RESOLUTIONS INV. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources.
I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. ABSOLUTE RESOLUTIONS INV has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because ABSOLUTE RESOLUTIONS INV is abusing the Arizona Courts to harass and intimidate me.
Regards, XXXX XXXX XXXX
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE : XX/XX/XXXX ABSOLUTE RESOLUTIONS I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABSOLUTE RESOLUTIONS I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
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| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX XXXX and Absolute Resolutions also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX of 2021 I submitted my initial complaint against Absolute Resolutions. It is as follows : On XX/XX/XXXX of 2021 I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all 3 of my credit profiles immediately.
The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
|
| 02/22/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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To Whom It May Concern, 15 U.S. Code 1692F Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
|
| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card.
-Copy of my valid Photo ID.
-Contract signed by me.
-Bill with my address ( within 30 days of the account opening ) -Any other documents.
Absolute Resolutions and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately.
Since Absolute Resolutions and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to Absolute Resolutions today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
The original account owner " XX/XX/XXXX '' have sold the account XX/XX/XXXX has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then XXXX XX/XX/XXXX sells the unverified accounts to a different collection agency.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The following corporations Absolute Resolution, XXXX XXXX XXXX, and XXXX XXXX are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately.
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Absolute Resolution, XXXX XXXX XXXX, and XXXX XXXX must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Absolute Resolution, XXXX XXXX XXXX and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX to be included in your consumer credit report
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named Absolute Resolutions Investments LLC and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of XXXX XXXX XXXX XXXX This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this XXXX account on my credit report.
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This account was added to my report end of last year. I have never received correspondence from the company, a dunning letter, or any validation. I have disputed this account twice with the bureaus requesting that the account be verified as I have never had an account in my name with XXXX which Absolute Resolutions shows as the original creditor ( the only thing I have ever had with XXXX was an authorized user account with my mother - which is active ), so I am genuinely confused as to what this is for. Could it be fraudulent? I have been working hard to repair my credit from hardships that happened back in XXXX when I became very ill and was out of work so this new debt for something I have never heard of was completely terrifying. I have sent two rounds of disputes to the credit bureaus requesting verification, but never received any written responses or any proof of this account. Additionally, I have sent two validation letters to the creditor with no response, which is a violation of my consumer rights. I wanted to try submitting a request to you guys before submitting any complaints with FTC and my Attorney General. I know there is a lot going on with the pandemic right now and I have been very patient in a resolution, but it is completely unfair that the bureaus have been given leniency in addressing requests and then failing to do so while consumers sit with legitimate errors and possible fraudulent accounts on their reports. So that's why I am here, I know you guys are essentially Big Brother over the bureaus and creditors and will look into this and provide at minimum some information which the bureaus and the creditor have now failed to do numerous times. I sincerely appreciate your help in this matter as I am very concerned that it may in fact have been a fraudulent account so I really need help in looking into it - thank you kindly!
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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|
Ive submitted several request for XXXX XXXX XXXX XXXX to provide me with verification/proof ( Original Consumer Contract with my Physical Signature on it ) in regards to the unverified account of my credit report ( XXXX XXXX XXXX XXXX ) XXXX which they have not. I provided enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, you wouldve forward me a copy of proof when I first inquired, which you clearly dont have! Under the FCRA you must provide an Original Consumer Contract with my Physical Signature on it. A copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my physical signature on it ), and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. Under the FCRA, unverified accounts must be removed/deleted immediately. I demand for this account to be removed/deleted immediately, due to failing to verify. Under the FCRA, failure to verify/provide me with a copy of verifiable proof that I physically signed and agreed to this account, then you must remove the unverified account. I demand the following account be removed/deleted immediately! If you do not comply, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} USD should this matter end up in court. I look forward to an expedient resolution of this matter.
|
| 10/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am writing to express my deep concern and file a formal complaint against Absolute Resolutions I, a debt collection agency, for actions that have had a severe and adverse impact on my consumer rights and credit standing. I believe this company has engaged in troubling practices that are in direct violation of federal consumer protection laws.
My primary concerns are as follows : Lack of Written Disclosure : Absolute Resolutions I furnished information about an alleged debt to consumer reporting agencies without any prior written disclosure to me. I was never provided with a notice of the alleged debt, its origin, or any written communication prior to this information appearing on my consumer report.
Failure to Validate the Debt : Despite my requests, Absolute Resolutions I has failed to provide any validation of the alleged debt, including the required documentation to substantiate its legitimacy.
The impact of these actions on my financial well-being has been significant. This lack of written disclosure and failure to validate the debt has resulted in negative entries on my credit report, potentially harming my creditworthiness and limiting my financial opportunities. This situation is deeply concerning, as it not only affects my financial stability but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ).
I kindly request the Consumer Financial Protection Bureau 's immediate intervention to address this matter and ensure that Absolute Resolutions I complies with all relevant consumer protection laws.
I believe that Absolute Resolutions I 's actions are in direct violation of the FDCPA and have had a detrimental impact on my credit report. These practices are not only unjust but also harmful to consumers like me who are working diligently to maintain their financial well-being.
|
| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/XXXX, I ( XXXX XXXX XXXX, called XXXX XXXX XXXX to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that XXXX & XXXX had lied just to get account information and to receive payments. I specifically asked XXXX & XXXX to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to XXXX & XXXX again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX in XXXX XXXX, XXXX. XXXX & XXXX also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail?
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights
|
| 07/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.
I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.
Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.
I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.
Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
|
| 12/10/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.
I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.
|
| 11/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear ABSOLUTE RESOLUTIONS, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile.
The incorrect information is as follows : [ ABSOLUTE XXXX XXXX XXXX XXXX XXXX ] ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing.
As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report.
I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me.
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report.
Sincerely, XXXX XXXX XXXX XXXX
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ABSOLUTE RESOLUTIONS, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 15 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} ABSOLUTE RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} ABSOLUTIONS RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This account is In result to XXXX XXXX
1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX.
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).
Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency.
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX in persons or XXXX XXXX under this section.
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| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Absolute Resolutions Investments claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports..
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My CA-DOJ registered XXXX XXXX XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion..
The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with XXXX, the original creditor they say they bought collection rights from..
Finally, XXXX previously sold my defaulted debt before it defaulted. XXXX makes offers of debt sales on their website and reports the sales to the XXXX XXXX XXXX XXXX XXXX, it is all public information. This means Absolute is lying and trying to defraud me with a claim of rights to collect. I am sure that Absolute commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID..
To the best of my knowledge the above is true.
XXXX XXXX
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| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
On XX/XX/XXXX of XXXX I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day.
On XX/XX/XXXX of XXXX I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores.
On XX/XX/XXXX of XXXX I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it.
I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal.
I am requesting for this account to be removed from all 3 of my credit profiles immediately.
|
| 11/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The company, XXXX , XXXX XXXX XXXX , XXXX, representing Absolute Resolutions Investments , LLC, claims to have obtained a judgment against me in the amount of {$4.00}, XXXX ( which has increase to {$5100.00} due to added interest ) on XX/XX/XXXX in the Court of Common Please, XXXX XXXX, Pennsylvania. They claim in their communications a docket number of XXXX, which fails to turn up any judgment or other results during a search of court records. A further search of the promontory 's case records also does not show any judgment against me awarded to to this company.
Prior to this XXXX, XXXX XXXX XXXX attempted to obtain a judgment against me in magisterial court on XX/XX/XXXX but the magistrate ruled in my favor. I was contacted against by XXXX, XXXX XXXX XXXX on XX/XX/XXXX, at which point they claimed to have obtained the judgment against me on XXXX. I have never received any notice from the court or proof of the judgment from XXXX, XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX, XXXX XXXX XXXX sent me interrogatories in aid of execution, related to this non-existent judgment. Once again the notice cited this docket number stated above, which as I have previously said, turns up no entries whatsoever when doing a search of court records.
I should also add that no judgment has been posted to any of my credit reports ; only a collections in the name of Absolute Resolutions ( currently listed at {$5100.00} ).
|
| 09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX of 2021, I noticed that Absolute Resolutions added a derogatory mark on my Credit report per XXXX XXXX. This derogatory mark is now reporting on my XXXX and XXXX credit reports. Upon further research, this account was transferred/sold and I am not responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature or confirmation of debt does NOT validate the debt. Anybody can send me a bill or notice and tell me it is mine.
I sent a debt validation letter ( on XX/XX/2021 ) and what was sent to me was a copy of a court filing stating I owe the debt ( by default ). A court appearance that I was never served notice about and therefore never appeared to defend myself. On XX/XX/2021, I requested copies of the original debt statements/payments/ and contract, again stating that I never had dealings with the original creditor and requested these documents so that I could file a fraud report through the FTC and my local police precinct. Instead of these document, Absolute Resolutions again sent me a copy of the court filing, with judgement made by default ( without my presence ).
According to the FCRA, Absolute Resolutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 02/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Dear ABSOLUTE RESOLUTIONS INV XXXX ; XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 12/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling Absolute Resolutions, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX XXXX at XXXX is managing this, but I have never received any communication from XXXX XXXX or from Absolute Resolutions in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that Absolute Resolutions would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years.
I really wish to settle, close, and have this collection removed from my credit report. If Absolute Resolutions has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a XXXX more. Absolute Resolutions must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
|
| 03/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2020 XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX Account : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance Information To : XXXX Absolute Resolutions Investments , LLC This letter dated XXXX day XX/XX/2020 is advising XXXX & Absolute Resolutions Investments , LLC, I am seeking balance information of an Account XXXX & Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account # XXXX & Absolute Resolutions Investments , LLC A # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of {$0.00}. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by XXXX & Absolute Resolutions Investments , LLC and updated credit reporting account paid in full.
In the event that you fail to honor my request could subject your company to liability under Federal law.
Please be advised on XXXX day of XX/XX/2020 has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter.
Sincerely, XXXX XXXX
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I call the XXXX XXXX XXXX XXXX XXXX, after I was notified from Absolute Resolution Investments, XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from XXXX XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with XXXX XXXX XXXX however the card was settled for less than owed. I do not have the card are the documents to prove. XXXX XXXX had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.
|
| 07/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has placed a fraudulent account # XXXX with the unproven amount in collections on my credit report on XX/XX/2023.
Without providing the requested documents in which I requested regarding the company alleged claims.
I disputed the entire matter in writing to Absolute Resolutions Investment LLC service processor XXXX XXXX XXXX XXXX as required before XX/XX/2023 per notice received from XXXX XXXX XXXX XXXX.
I disputed this matter in writing sent vis XXXX XXXX XXXX mail XXXX XXXX and via email to XXXX XXXX XXXX XXXX in care of Absolute Resolution Investment LLC.
XXXX XXXX XXXX XXXX placed their account with the fraudulent amount allegedly owed in collection on my credit report on XX/XX/2023 prior to XX/XX/2023 in which their service processor XXXX XXXX XXXX XXXX notice stated to dispute the matter by XX/XX/2023.
XXXX XXXX XXXX XXXX and Absolute Resolutions Investment LLC refuse to provide me documentation as requested, regarding this matter in which I am disputing.
This company is using gross tactic, tricky and is threatening to sue me in court if I don't pay them.
I also had to dispute Absolute Resolution Investment XXXX on my credit report to XXXX on XX/XX/2023 still awaiting a response. I do NOT owe this debt.
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have tried to get a collection resolved and removed from my credit report that Absolute Resolution is reporting that is not mine. In my request to get information about this account, they haven't provided me with any documentation or any results from my request I sent to them. Instead, they sent me information that has no agreement or any other information that this items belongs to me. Items I asked for were as follows : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
6. What the money you say I owe is for 7. Prove the Statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with your license numbers and Registered Agent Still to these day, none of these items was provided to me from Absolute Resolution. Furthermore, I never had an account with XXXX, as well as I never lived in XXXX from which this company show that i lived at and never have lived in. Still Absolute Resolution has not did anything to provide me with the information I asked for.
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On or about XXXX of XXXX I received a collection letter from XXXX XXXX demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX. I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response.
On or about XXXX of XXXX I received a collection letter from XXXX XXXX XXXXAbsolute Resolutions also demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX XXXX I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response.
I have disputed this collection at the XXXX Credit Report with the exact same documentation of the collection and my attempts to validate the debt unsuccessfully. The origin of the debt is unknown to me. I am claiming that I have no knowledge of this debt and I have the proof that I have proceeded in good faith, without the benefit of a response. I have no idea what XXXX uses to continue to validate this debt. I have yet to see any proof this debt was initiated by me.
My perception is that all parties claiming there is a debt owed by me have failed to disclose how this debt was created, and how they are authorized to collect said debt.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Absolute Resolutions reprinted my account as collections XX/XX/XXXX. They didnt even send me a notice stating I owed money to them. I only found out my reviewing my credit reports. I called and they transferred me to a debt attorney to make payment. I paid the balance in full with the debt attorney. I can provide all records of this along with letter showing account satisfied/paid in full from the attorney. The letter was sent to Absolute Resolutions showing payment in full and to remove my account on credit reports. They refused to do this so I disputed it with the credit bureaus. The credit bureaus researched and proofed I did pay full balance and updated account to reflect. Everything was good. Until Absolute Resolutions reported yesterday, XX/XX/XXXX to all the credit bureaus that I still owed the full amount and that my account was in collections. I called them today and they denied doing and stated there was nothing they can do about it. Im in the middle of purchasing a house and this is really causing problems that they reported it after everything was cleared and paid for. They are falsely reporting a balance that I dont owe.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX recently filed a claim against me on behalf of Absolute Resolutions Collections ( ARC ). I had received original letter on XX/XX/XXXX from them advising they had purchased an acct from XXXX XXXX I then sent them a proof of debt validation letter within the allotted 30 days as allowed. I NEVER received any other communications from them- until being contacted by XXXXXXXX XXXX XXXX in XX/XX/XXXX who said theyd been hired by XXXX. At that time, I sent XXXXXXXX XXXX XXXX correspondence requesting the same info as the amount was incorrect. My wife spoke with them two times via phone- repeatedly asking for this info. She was told by XXXX XXXX XXXXXXXX XXXX XXXXXXXX that the amount due doesnt matter. We can work around that. We sent a settlement offer which was supposedly denied at end of XX/XX/XXXX. Sent XXXX emails with no response until today when we discovered a claim had been filed on behalf of XXXX. Have not been served yet but got info off court website. Both XXXX and XXXX XXXX XXXX have made it very difficult to work with them and provide a true solution to clear up this issue. Non- communicable on both parties.
|
| 12/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Absolute Resolutions and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I have attached a debt validation letter demanding competent evidence.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Absolute Resolutions has been reporting information to XXXX, XXXX and XXXX that is inaccurate and fraudulent under 18 U.S Code 1028 ( d ) ( 12 ). They have consistently tried to sue for monies not owed to them. They have NOT provided proof of any kind, with a LAWFUL two-party contract binding both parties signed in wet ink by both parties, bearing my signature, to prove I in fact owe this debt. Therefore they are committing fraud to collect on a debt not owed. They have failed to comply with FDCPA, 15 USC 1692g Sec. 809 ( b ) which states I have the right to dispute the debt and request validation of the information they claim to have on file. I have been sent NO proof. They have currently violated 8 of my rights as a consumer and continue to not comply with the Fair Credit Reporting Act, the Fair Debt Collection Practice Act and The Uniform Commercial Code. I am taking the next step to seek remedy for damages per violation at a minimum of {$1000.00} each. It has been over 90 days and I am requesting to have this account deleted immediately and cease further attempts to collect on the said debt before further action is taken.
|
| 09/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Absolute Resolutions purchased a credit card debt. In XXXX I negotiated and paid a settlement to them. The have marked the balance down to {$0.00} but refuse to report the account as closed on the XXXX system so that it looks like I have an open collection account that is dropping my score by more than XXXX points. I have asked XXXX to correct the report, I have put in several online disputes and finally sent a written dispute to XXXX which was denied in XX/XX/XXXX because Absolute Resolutions affirmed that the account is still open. I called XXXX today and they have reopened the dispute but there is no guarantee that it will result in a correction. Absolute Resolutions is deliberately leaving this account as " open '' to punish me for settling the account instead of paying it in full. I attached the settlement letter to the mailed dispute and the account history clearly shows that the agreed upon amount was promptly paid. Before I began disputing the account, it still showed as owning the remaining {$310.00}. They finally marked it as {$0.00} owed but continue to keep it as an open collection to punish me.
|
| 06/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have written this company multiple certified letters demanding they provide me with proof to collect the debt they claim I owe them. They claim I owe them {$800.00}. I have never heard of this company, I never signed a contract with them, and I never agreed to do business with them.
I have been a victim of fraud and identity theft and I believe that this debt was obtained by the company illegally.
I have requested the following multiple times : The debt balance and original bill/documentation including an explanation of any interest charges and additional fees.
The full account number that is associated with the debt that they claim I owe them.
The date of default including the date of the last payment, The name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt.
The names of all persons or entities that have purchased this debt.
I have already submitted a complaint to the North Carolina Department of Justice.
My next steps are to file and police report and take this company to small claims court and sue them.
|
| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have previously filed complaints against XXXX XXXX XXXX and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because XXXX refuses to pay the fees.
The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against Absolute Resolutions and their attorney and collect a civil penalty in accordance with the regulations.
To be clear, in their response they said that both loan agreements were in litigation. One was and one was not. Neither are in arbitration at this time. See complaint number XXXX for more information.
|
| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/2023, I discovered several drafts from my XXXX XXXX checking and savings account from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. for Absolute Resolutions Investments LLC and who drafted funds from my accounts without my knowledge or permission.
The XXXX XXXX XXXX drafted {$310.00} on XX/XX/2023 and {$380.00} on XX/XX/2023 from my checking account and an additional {$120.00} XX/XX/2023, {$19.00}, and {$4.00} on XX/XX/2023, from my savings. This money was to pay my bills.
I was unaware of any judgements against me until these payments were drafted. When I reached out to XXXXXXXX XXXX XXXXXXXX XXXX. to discuss validating the debt that also has the wrong account number fand is past the Texas 4 year statue and they failed to do so. It was also discovered that the Process Server that was used by XXXXXXXX XXXX XXXXXXXX XXXX. forged the citation document claiming to have served me. I filed a complaint with the XXXX and an active investigation is pending. My accounts that I had in good standing are ruined as a result of these actions.
|
| 04/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Absolute Solution has harassed me by calling my employment and home on a complaint between myself and XXXX XXXX on a lease of 2008. The vehicle was towed around or on the end of the lease to the dealer located on XXXX XXXX in XXXX, the building is no longer there. The towing or any repairs to the vehicle was had insurance coverage ( 6 ) six months after the towing.
Dispatch cleared the car for return and I owned nothing on the lease and never missed a paymen
t or was late. However, a few months ( after the 6-month coverage ) I received a call regarding damages to the bumper. I protested this claim as the leasing company should have a made claim prior to my cancellation of the XXXX XXXX. I never heard back from XXXX.
This debt is over XXXX XXXX XXXX and without supporting document ( which Absolute has not presented ) I contest that I owe NO MONIES. XXXX is the only credit reporting agency that will not clear this debt from my report. I am sure there is a period of time in which the debt should be deleted and XXXX has far exceeded that time limit.
|
| 02/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION TO ABSOLUTE RESOLUTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company ABSOLUTE RESOLUTIONS XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under ABSOLUTE RESOLUTIONS INVESTMENTS and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS INVESTMENT A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX.
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.
15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I was violated by XXXX XXXX XXXX XXXX. During the year of XXXX as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by XXXX XXXX XXXX XXXX, for the amount of {$38000.00}. Exhibit A provided show how I was violated by XXXX XXXX XXXX XXXX, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that XXXX XXXX XXXX ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) XXXX XXXX XXXX reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
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| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I do not owe any debts to Absolute Resolutions. This company has violated my rights under the FCRA. Absolute Resolutions by law had a responcibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me.
I filled for bankruptcy In XXXX of XXXX. Absolute claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX Absolute resolutions had a legal onligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them.
Also, because my bankruptcy was public my address was on file for Absolute resolutions to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attemtps to collect this debt will result in lgal action against Absolute resolutions for violating my rights.
|
| 08/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
This is in regards to a previous complaint, XXXX.
The original complaint was about XXXX Credit card not allowing me to pay off my credit card and refusing payment. This account was closed in 2021. I have not used it since then.
After the complaint, I received a letter from XXXXXXXX XXXX managing bank, XXXX, stating that they'd now accept my payment, and I was able to pay it off in full and be done with it. I did just that, immediately paying off the balance in full. They removed the account from my credit report and listed it as paid.
Until now, they're saying that somehow I owe {$700.00}. They've sent me another statement, and they've put it BACK on my credit report.
It appears they have possibly sold debt to " absolute resolutions investments ''. So they accepted my payment and then sold non existent debt?
I just want this to be done with and for them to leave alone. I thought I resolved this months ago, but apparently not
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.
In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
|
| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The Company in question : Absolute Resolutions Investments , LLC has committed numerous violations of the Fair Debt Collection Practices Act under title 15 USC 1692.
They had a sheriff serve me with what appears to be a summons with no actual court date, yet are persistent to attempt to force me to pay a debt in which they have yet to validate. I sent them a response within the 30 day window asking them for debt validation and all they sent back were moot statements which had no validity. The company has not yet sent me an contract agreement with my signature on it nor any of my other required exhibits for validation. ( Actori incumbit onus probandi ). In my initial response I did inform them of my intention to sue if any negative information was placed on any of the three major Credit Bureau 's and yet they dishonorably placed negative remarks upon it in an act of unethical practices.
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I received a collection call on XXXX XXXX, 2021 from XXXX XXXX XXXX on behalf of Absolute Resolutions Corporation, also known as Absolute Resolutions Investments LLC, in violation of the " cease and desist letter '' that I sent to Absolute Resolutions Investments LLC on XXXX XXXX, 2021. I sent this " cease and desist '' letter by certified mail return receipt and they received my letter on XXXX, 2021. The return receipt was signed by XXXX XXXXXXXX.
Absolute Resolutions Corporation is ignoring my " cease and desist '' letter by continuing to use different collection agencies to contact me regarding a debt that I do not owe and that is beyond the statute of limitations.
I want Absolute Resolutions Corporation to comply with my " cease and desist '' letter as is required by the Fair Debt Collections Practices Act ( FDCPA ).
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ABSOLUTE RESOLUTIONS would verify the debt. So I took it upon myself to ask ABSOLUTE RESOLUTIONS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 12/07/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company by the name of Absolute Resolutions INV is stating that I owe a collections " debt '' that is unjustly being attributed to me which is extremely disturbing. I believe this is affiliated with a XXXX office that I went to back in 2016 called XXXX XXXX + XXXX in ( XXXX, Arizona ). The lead XXXX of this office stated verbally to me that my insurance during my time of employment with a company called XXXX was 100 % in network and accepted meaning there was no out of pocket cost from myself required. When I switched employers I started to receive phone calls saying that I owed a debt which was baffling to me being that my insurance was 100 % accepted which was impossible. At this point evidently I was lied to by the head XXXX running the office which is very unjust and disturbing to say the least.
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX Private Label around the year XXXX. I never gave my information neither to XXXX Private Label nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time XXXX XXXX XXXX is the company that is contacting me with the purpose of collecting the fraudulent debt.
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recieved a summons from a lawyer representing Absolute Resolutions Investments , llc . XXXX.
The complaint alledges that I owe {$1100.00}.
I checked my credit report and saw that Absolute Resolutions Investments , llc had already reported this alledged debt to my credit report opened XXXX Under the rules of FDCPA credit report entries do not constitute a form of first communication.
According to the FDCPA a communication in the form of a formal pleading in a civil action shall not be treated as an initial communication.
According to the FDCPA before a debt collector can report a debt to a credit reporting company they must notify you about the debt by phone, mail or electronic communication.
I was never notified of this alledged debt and was never notified of my right to dispute said debt
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company keeps reporting that I owe this debt that was deleted prior from my credit report. XXXX is allowing them to do this repeatedly this was already. This Company went and bought the debt and refuses to delete from my file. XXXX is siding with the company to continue to ruin my credit.
ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX.
{$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXX/XX/XXXX
|
| 10/14/2020 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
absolute resolutions investments llc is takeing me to court for a debt that i have no knowledge of, i contacted them and told them the signiture that they have is not mine and the bank account number is not mine and has never been mine yet they still insist that i owe this debt, they are sueing me in court and have now sent me a letter stateing they may submit to the credit reporting agency which they have already done, i am tryig to figure out how they can do this. i fully intend to stand up in court on XX/XX/2020 and tell the judge how they are trying to railroad me for someone elses debt, i am on XXXX and i can not have my bank account garnished and they think i am going to fold and pay this debt which i am not i will stand up and fight untill someone hears what i am saying,
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a loan that was handled by a collection company. I paid XXXX $ loan and then the company sold it to Absolute Resolutions. They filed a judgement against me, which I paid an outside firm to handle out side of court. Agreed to payment schedule. Did not lower the amount and made me pay for court costs and then put it on my credit report as a collections and the date on the there is incorrect. The original opening of the loan XXXX was XXXX not XXXX. Once the settlement was agreed outside of court, they placed it on my credit report as in collections. Which it is not. i have been paying XXXX a month for over year even when I lost my job in XXXX due to COVID this year. I would like the infraction removed from my report as I am presently paying and the date is incorrect.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have no contractual obligation with the ABSOLUTE RESOLUTIONS INV. And yet, ABSOLUTE RESOLUTIONS INV has an account on my consumer report alleging that I owe them a debt. This reporting was done fraudulently as there is no verifiable evidence that I, the consumer, am contractually obligated to ABSOLUTE RESOLUTIONS INV. I had since filed an identity theft report with the FTC when I first came to notice the fraudulent account on my consumer report. I never received any correspondence from ABSOLUTE RESOLUTIONS INV prior to noticing the fraudulent account on my consumer report. The ABSOLUTE RESOLUTIONS INV account present on my consumer report needs to be deleted immediately. ABSOLUTE RESOLUTIONS INV can be liable for willful noncompliance under 15 U.S. Code 1681n.
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX - Received Letter about debt from XXXX, XXXX, XXXX and XXXX XX/XX/2019 - Received Letter about debt from XXXX, XXXX, XXXX and XXXX about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXX had been filed.
Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about.
Made additional request verbally for validation of debt because they never sent anything.
Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has been inaccurately reporting credit information to the 3 bureaus which is effecting my credit and havent been able to verify the account so they have now took the item from an open collection status to closed. I have tried to dispute this collection several times and still haven't got the the account removed. I also contacted the XXXX they said they would send me information verifying this account and never did that as well. According to the CFRA laws, if an account can not be verified or reported 100 % accurately it need to be deleted asap from all the credits bureaus. I have attached a copy for my recent credit report on XX/XX/2023 FROM XXXX Reference # XXXX and underlined everything in RED that has been reporting inaccurately.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello can you please help me with this account that does not belong to me. After reviewing the account information I became aware that the debt belongs to my ex husband & I had no knowledge of the debt nor did I give permission to open it. I have tried disputing multiple time with all XXXX credit bureaus with no success. I have never contacted the debt collector however, they continue to update the information. Which I have researched & found out that they are not allowed to change the dates of the original debt unless I have contacted them. Here is the information shown on my credit report. Please help me remove this debt. Thank you.
ABSOLUTE RESOLUTIONS I Original creditor XXXX XXXX XXXX Balance {$4900.00} Balance updated XX/XX/2023 2023
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have recently been made aware on XX/XX/2021 that ABSOLUTE RESOLUTIONS INVESTMENTS , LLC has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account on my credit report, which I reported it to ABSOLUTE RESOLUTIONS and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : ABSOLUTE RESOLUTIONS/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
|
| 02/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the XXXX XXXX XXXX has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX, Absolute Resolutions filed a petition to collect a debt. My attorneys responded with answers, initial discovery, and written discovery in the court in the first quarter of XXXX. This was followed by aMotion for No-evidence summary judgment against Absolute Resolutionson the grounds that they failed to turn over any evidence in court to verify the debt and any ownership of it. On XX/XX/XXXX, the Court ordered a non-suit against Absolute Resolutions granting the motion for no-evidence summary judgment.They are in violation of credit reporting on this debt and through the court order are barred from bringing evidence into the court.
Documents supporting these claims are attached.
|
| 05/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.
|
| 01/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern On XXXX this collection agency name : Absolute Resolutions, INV Reported an accurate debt to XXXX XXXX and XXXX to collected a debt of {$4800.00} This collection was deleted on 2020 and Reinserted onto my credit report!!
I have received no such notification, this is a serious violation of the FCRA I demand that this debt that I don't owe immediately DELETE this account From my credit report I did mailed a letter to XXXX and XXXX nothing done that debt collection cause me pain can obtain a fair credit In accordance with the requirements of the FCRA XXXX XXXX ( XXXX i ) XXXX ) I demand that debt immediately Delete
|
| 04/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).
|
| 10/15/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has repeatedly harassed me after I have responded to them several times expressing that this is not my debt and did not open this account. It seems they bought this account from another company that previously I thought the matter had been resolved. I have sent them several letters requesting proof on how I supposedly opened this account but I get no response. Just several threatening phones calls and letters saying they were going to take me to court and seize my assets. This has been going on for several years through multiple agencies. I would just like this matter resolved and the harassment to stop.
|
| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$4000.00}.
|
| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$1200.00}.
|
| 12/11/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, Absolute Resolutions Investment add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Absolute Resolutions Investment has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received collection notice from XXXX XXXX XXXX. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both XXXX and XXXX. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both XXXX and XXXX. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}
|
| 11/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In response to my compliant # XXXX Company responded on XX/XX/2022 " Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX XXXX XXXX ARI will honor XXXX XXXX cease and desist request. Based on the foregoing, ARI is closing this complaint. '' The company has not remained in honor of the cease and desist as reported and have continued to furnish data to consumer reporting companies on XXXX XXXX, 2022. This is misrepresentation and more importantly another example of the continuation of the company 's violation of my consumer rights.
|
| 11/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had sent a notice to this company to cease all communications as described in the fair debt collection practices act ( FDCPA ) in regards to the following account XXXX The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that this company has chosen to continue to communicate with me. This violates the FDCPA and my right to privacy as a federally protected consumer. At this point I demand compensation for their willful and knowing violation.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS C XXXX**** Balance {$370.00} XXXX/XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ABSRES INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a letter on XX/XX/2023, to Absolute Resolutions. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. According to the law my consumer report must be 100 % accurate and it is not.
Account # XXXX is in violation and not reporting correctly. I want to know if they investigated this account. If they investigated this account, who did they speak to? I want to see the proof of investigation and proof that this is my account. How did they complete the investigation?
|
| 01/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collection agency is engaging in abusive, deceptive, and unfair practices of the FDCPA which is strictly prohibited. This account was furnished to the credit reporting agencies against me though I have no signed contract nor did I verbally agree upon doing any business with this company. More so, though I requested the full 5 step procedure to validate this debt, they didnt validate anything. I did not enter into any verbal nor written contact nor agreement with this company and so this company is engaging in unfair practices.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as Absolute Resolutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
|
| 07/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is incorrect. Absolute Resolutions filed a lawsuit against me in XXXX, and subsequently filed a motion to dismiss the lawsuit in XX/XX/XXXX because they do not have the evidence to prove this debt is correct. See attached dismissal.
Further, I disputed this debt directly with Absolute Resolutions as well as the Credit Bureaus in XX/XX/XXXX. On XX/XX/XXXX Absolute Resolutions sent me the attached letter stating they were instructing the Credit Bureau 's to delete this account from my credit report. They have failed to do so.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
1.On XX/XX/2023 at XXXX XXXX my landlord was improperly served my documentation that was no sealed and revealed all my private and personal information. The server also incorrectly reported the landlord reported I am unmarried.
2.XXXX XXXXXXXX XXXX has further posted a derogatory report on my credit without confirmation of the debt, or contacting me by phone, in person or by mail ( electronic or letter ).
3. The collector has failed to give me validation information about the debt in question.
4. This debt is time-barred.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In 2021, a college debt from XXXX XXXX was placed in a debt consolidation program. The Law firm representing me ( XXXX XXXX XXXX ) negotiated a payment schedule with Absolute resolution, which took on the collections from XXXX XXXX. I have a letter that states the account is in good standing and Absolute Resolutions has put a derogatory status on my credit report. A negotiated amount was settled and I am paying on this Debt. I am trying to get my credit back up and this company is the only one that is preventing me from this.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
To Whom This May Concern : I have filed a dispute and complaint about this company several times and not action has been taken. I have filed an identity thief affidavit, military orders, and letter from my command stating when this loan was taken out in my name, I was XXXX. Absolute Resolution has not conduct a thorough investigation. They are stating it is accurate based off my name, DOB, and SSN when I have provided legacy documents several times. The original lender XXXX XXXX is reporting it as identity thief.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Absolute Resolutions Investments is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report ( s ) of XXXX XXXX due to identity theft.
XXXX was deleted from the credit report ( s ) of XXXX XXXX about the dates of XXXX XXXX XXXX.
Attached is Absolute Resolutions Investments documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I HAVE NEVER RECEIVED ANY DOCUMENTATION TO VALIDATE THIS DEBT FROM ABSOLUTE RESOLUTIONS COLLECTIONS REGARDING A CREDIT CARD ACCOUNT FROM XXXX XXXX FOR THE AMOUNT OF {$21000.00}.
HOWEVER, ON XX/XX/2021, ABSOLUTE RESOLUTIONS REPORTED A DEROGATORY MARK AS COLLECTIONS ON MY CREDIT REPORT WITH ALL THE CREDIT BUREAUS INCLUDING XXXX, XXXX, AND XXXX.
I WANT ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.
I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 02/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2017 I had just bought a house and was down on money for renovations, I was contacted by this company XXXX and pre approved for a personal load of XXXX. I took out the loan and made about 6-8 payments of {$550.00}, I lost my job missed some payments and they put me in collections and then charged it off. sold it to another company named absolute resolutions who reports on my credit and now i can not get approved for anything nor can i pay off the amount please help!
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a court date that I was not aware of in time and could not appear. The debt collector sent a person to my house over XXXX when I had family over and we were celebrating the holiday. The process server was at my door at night so we did not answer the door. Then she came to the door in the morning. When I read the summons, the court date had passed. They called me every day at XXXX XXXX for months, from XXXX to XXXX and when I would answer the phone, they would hang up.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
XXXX XXXX XXXXXXXX Attached information suddenly showed up on my XXXX and XXXX reports which indicate a fabricated/fraudulent collection account that is not mine.
The only collection account I have is w/XXXX XXXX of whom offered a recent settlement and shall be paid off 'completely ' in XX/XX/XXXX.
I was excited thinking 'FINALLY ' my credit score shall return to a viable number, yet with this new 'fabrication ' my score dropped even further ... by XXXX points!
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I noticed a collection on my credit report for {$13000.00}. This is NOT my debt, and they are lowering my credit score by claiming that it is. I was recently turned down on an application for a new credit card because of this. I believe this is a debt of my XXXX XXXX XXXX mother and I own the house she lives in. In addition my name is very similar to her ( now deceased ) husband. These factors may have contributed to the collection company claiming it is my debt.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.
15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.
|
| 01/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal XXXX XXXX XXXX. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, XXXX XXXX Code XXXX ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
|
| 03/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I complaining for the 2 me time against absolute resolutions debt collection agency as my credit report came today with a warning that absolute resolution XXXX reported that my account with them is settled less than the amount due They are laying because they took the whole amount due by a garnishment against my salary This company is destroying my credit.
Attached is the credit report warning I have received today issued by XXXX through XXXX XXXX app
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. As well as several other inconsistencies, such as OPEN DATE of XX/XX/XXXX with a LAST PAYMENT DATE of XX/XX/XXXX. This can not be correct in any way, since this would mean the account was paid on before it opened.
|
| 11/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.
I paid as agreed and they didn't keep their end of the deal by removing the collection.
The original collection is at the 7 year threshold and should have been removed.
This is harming my credit rating. Please advise.
XXXX XXXX XXXX XXXX
|
| 03/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in XXXX XXXXnd I settled all my debts. The original XXXX XXXX cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XXXX
|
| 12/23/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello This was placed on my credit reports without any communication as to what this collection is for. I was not sent any information about this collection. Nor sent any information as to if this is my debt.
I am not familiar with this Business.
I sent request to have information sent to me regarding what this collection is for and information on amount saying I owe and to whom.
I am disputing this debt on my credit report as perhaps false.
|
| 02/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Got an alert from a credit monitoring service that a collection was placed on my credit report. I called the number listed on my credit report to see what it was about and explained to the gentleman that I never received any notification of ANY type of debt or any request for payment. He proceeded to rudely tell me that this debt had been to several other collections agencies ( untrue ) and now it was with them and I needed to pay them.
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to ABSOLUTE RESOLUTIONS INV reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
|
| 12/08/2020 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is not a duplicate request. ABSOLUTE RESOLUTIONS CORP. never contacted me when the debt was first sold to them. Nor did they present themselves as the owner of this debt in a written notice. In accordance with the FCRA and the FDCA provide the following information : -proof of purchase from XXXX XXXX -proof of the first letter of debt ownership from Accounts Receivable Corp specifically that was mailed to me with the date.
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of Identity Theft. I never lived in XXXX have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Absolute Resolutions Is reporting this debt as accurate and current, when it is not. I have been XXXX since 2018. I settled all open debts for less than what was owed when I knew I would not be going back to work. They refuse to remove the debt. They keep claiming this debt is valid and they keep XXXX up my credit because they want me to give them money. They have threatened to sue me and put me in jail for this debt.
|
| 05/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report.
Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/2023, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.
|
| 12/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT.
15 USC 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates you are also in metro 2 violations.
|
| 07/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
absolute resolution called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm
|
| 07/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
ABSOLUTE RESOLUTION INV ACCOUNT XXXX UNKNOWN COMPANY OR DEBT APPEARED ON MY CONSUMER REPORT XX/XX/2019. IT SHOULD BE NOTED THAT THE NATION WAS IN PUBLIC HEALTH OUTBREAK-COVID 19, THEREFOR NO DUE PROCESS NEVER TOOK PLACE TO HAVE DEBT VALIDATED, THIS DEBT IS NOT A VALID DEBT. ALSO, IT WAS PLACED ON MY CONSUMER REPORT WITHOUT MY CONSENT WHICH IS AGAINT THE FCRA.
|
| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Received letter from XXXX XXXX XXXX representing Absolute Resolutions Investments LLC claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from Absolution Resolutions on XXXX never received information on owing these funds.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Violation of Consumer 's Right to Privacy You should be aware that I, the affiant, am a consumer with a right to privacy under Section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without my written express authorization or any valid legal authority, ABSOLUTE RESOLUTIONS CORP. has breached my right to privacy.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
|
| 01/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Today, XX/XX/22, I contacteXXXX XXXX XXXX XXXXXXXX XXXX XXXX about a debt owned by Absolute Resolutions LLC about a debt I allegedly owe them. During this conversation they threatened us with a lawsuit, and threatened us with having to pay their lawyer fees, court fees, and their other costs. They attempted to refuse a debt validation as well.
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Absolute Resolutions HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. I'VE HAD NO DEALINGS WITH THIS COMPANY Absolute Resolutions. RECENTLY ON XX/XX/2020 Absolute Resolutions REPORTED A {$11000.00} COLLECTION ON MY CREDIT REPORT THAT IS INACCURATE.
THIS Derogatory mark HAS REALLY AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.
|
| 08/22/2020 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I just got served a summons from XXXX XXXX. This loan had a XXXX balance on my credit report. The summons says I owe this collection company, Absolute Resolutions Investment LLC. The summons says I owe XXXX. I was told XXXX was sued and loans with them didn't have to be paid. Please advise me of my rights. XXXX XXXX email XXXX XXXX
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$21000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 11/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I moved from XXXX to XXXX and a debt collector is trying to sue me in XXXX for the XXXX debt that's time barred in XXXX. Also I have never had a credit account with the amount they say I owe. When I contacted them I asked for proof of the debt and they won't provide it.
I'm providing the appeal court case number in XXXX XXXX
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 09/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Didn't understand answer they gave me on first complaint number XXXX which was closed. Saying couldn't comment because it was in litigation.
I forget to mention on the summons there was not an account number.
I was told they had to give an account number. Do I have any legal rights since there Was no account number the summons?
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 06/10/2019 |
No |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Absolute Resolutions Investment, LLC is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
|
| 11/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
I have sent emails trying to get information about this. When I called and actually spoken to a rep named XXXX, he tried to trick me in to giving him my card information for a payment of a XXXX to process the request of me inquiring about the debt. As of XX/XX/ and XXXX I have sent emails and waiting for a response
|
| 07/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Despite several attempts at disputing a collection account with Absolute Resolutions Corporation, they continue attempting to collect an account for XXXXXXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There is a debt collection on my credit report by ABSOLUTE RESOLUTIONS 1. It shows that it's in " active debt collection, '' but the collection amount shows {$0.00}. I paid off the debt in satisfaction to the debtor. It even shows that I paid {$25000.00} and it has been 100 % paid off. Please help me resolve this.
|
| 06/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi I paid my debt in 2020 to my recollection and I was told that it would be marked as paid and removed from my report on their behalf. However, as I look at my XXXX XXXX XXXX accounts, it still shows up along with either open, unknown or in collections. I would like them to be held accountable for this action.
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 10/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research ABSOLUTE RESOLUTIONS INVESTMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
|
| 09/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I was checking my credit report and saw that I had an account with Absolute Resolutions for {$590.00}. I was never aware of this matter via phone or mail within 5 days according to the Fair Credit laws. Also this company is not licensed in the state ( NC ) I reside in to collect a debt.
|
| 09/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXXm the victim Of the fraud, I would like to remove this collection because im not owner Of this debt, I tryed to contact the company and they refuse to solve my problem, {$1500.00} is amount and debt collector is absolute resolutions- with XXXX XXXX.I teied to dispute it many times
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw a collection account on my credit from Absolute Resolutions. I don't know where this debt came from. It is XXXX.
I sent a validation request to this agency many times and they won't send me anything. This is wrong and against the Law Please help me with this matter
|
| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 12/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sued by ABSOLUTE RESOLUTIONS INVESTMENTS LLC. We went to trial on XXXX XXXX, XXXX and the case was dismissed with prejudice. There is a judgment entered. However, this company is still reporting it to my credit as negative for the past year.
|
| 01/26/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This company reported me in collections in XX/XX/2020. I am not aware of the amount owed nor am I familiar with the debt or company reporting on my credit. This is preventing me from qualifying for my VA Loan to make a home purchase as I intended.
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling me frequently about XXXX times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Date:XX/XX/2019 Amount : {$1000.00} Action Taken : Sent multiple disputes and also went through CFPB and on one of my credit reports, this collection agency has a different name abbreviated which made it difficult for CFPB to locate them.
|
| 05/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent a mail letter to company regarding debt validation in XXXX XXXX They refused to verify this debt is owed by me. I demand a cease and delete an action as I am required by consumer laws section 615 [ 1681-1685 ].
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account is listed as an open account type and pay status as collection with a pass due balance of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
|
| 08/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023 I checked my credit report and found Absolute resolutions on my credit report collected for XXXX. This debt has been disputed in the past and they continue to post on my credit report
|
| 12/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday
|
| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
They said it was paid as agreed upon and that I no longer owe them anything but now they have put derogatory remarks into my report. But only with XXXX?????? I want that removed from my report!!!!
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS has failed to provide adequate information to validate this debt as mine. I have every right to review how this debt is being verified and connected to me.
|
| 12/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Absolute Resolutions is reporting collections as open accounts. They are also reporting the accounts as charged off each month. They are also reporting multiple wrong dates.
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The amount is XXXX dollars for almost five months and a dispute this collection I don't amount is not mind I am to remove the collection from my credit report
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, this debt is over 7 years and the wrong amount is being asked for. Ive been receiving letters from the company stating that a lawyer will sue me.
|
| 10/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..
|
| 01/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ABSOLUTE RESOLUTIONS does not reply to me to validate what they are reporting. Nor did they send me a notice of the debt originally.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Absolute claims on credit report they are original debt holder which is false.Debt passed statue of limitations
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Absolute claims on credit report they are original debt holder which is false.Debt passed statue of limitations
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit reports show that the account is charged off yet this account is settled and paid in full.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
account status shows as charged off and however the account is settled and paid in full.
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of violent crime. I am not responsible for this account.
|
| 07/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Just saw on my credit report an issue from 2014 that i dont know about.
|
| 10/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Collection agency charging interst rate on judgement
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 08/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American, Servicemember |
|
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
Older American |
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 06/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 01/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 09/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2021 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2021 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/12/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/11/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
Servicemember |
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/15/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 02/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 02/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/09/2015 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 08/06/2014 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|