When Absolute Resolutions appears on a credit report, the entry is normally a debt you first owed to another lender, such as a credit card issuer, that was charged off and sold to Absolute Resolutions Investments, LLC. The entry carries the buyer’s name, not the lender’s. If the balance, the dates or the person it belongs to are wrong, the Fair Credit Reporting Act gives you a way to have it corrected and, in some cases, to sue.
Who Absolute Resolutions is: two companies, one name
Two related Minnesota companies use the name. Absolute Resolutions Investments, LLC (ARI) owns the accounts. Its website says charged-off balances are “sold to a new owner, such as Absolute Resolutions Investments, LLC,” and in collection complaints filed in California state court, ARI calls itself “a debt buyer” and successor in interest to the original creditor. Court filings name Navy Federal Credit Union and Synchrony Bank among the original creditors of accounts ARI bought.
Absolute Resolutions Corporation (ARC), which says it was founded in 2001, manages those portfolios and handles consumer contact; ARI’s site sends all inquiries to ARC. ARC’s FAQ says a letter from ARC means ARC or an affiliate now owns a debt you once owed another creditor, and that ARC may assign the account to one of its third-party servicers.
Both companies list 8000 Norman Center Drive, Suite 350, Bloomington, Minnesota 55437, which ARI admitted in a 2026 court answer is its principal place of business. Colorado’s attorney general listed ARC and ARI as licensed collection agencies at that address in 2023, and Nebraska’s Secretary of State lists ARC on its 2026 collection agency roster. ARI’s website carries the notice “This is a communication from a debt collector.”
How an Absolute Resolutions account shows up on your report
ARI is the company that reports these accounts. In a 2026 federal answer it admitted that it “furnishes certain information concerning consumer accounts to consumer reporting agencies,” and in another 2026 case both ARI and TransUnion admitted that ARI reported the plaintiff’s account.
Consumer disclosures filed in federal cases show what the entry looks like. TransUnion prints the name as “ABSOLUTE RESOLUTIONS INVESTMENTS” with ARI’s Bloomington address. Experian shortens it to “ABSOLUTE RESOLUTIONS INV,” and Equifax shows “ABSOLUTE RESOLUTIONS” with “ABSOLUTE RES INVSTMNTS, LLC” beneath. All three list it as a debt buyer account in collection, and the TransUnion and Experian versions name the original creditor.
One field is easy to misread. On a debt-buyer entry, the opening date can be the date ARI acquired the account, not the date you opened the card. In one case, the opening or placement date on all three disclosures fell in September 2024, the month Navy Federal’s affidavit says it sold the account pool to ARI, while a separate field showed a first delinquency in October 2019.
ARC says it will not send account updates to the bureaus “for at least 45 days after the account is purchased.” Federal rules also bar a debt collector from reporting a debt until it has spoken with you or sent you a letter or electronic message and waited a reasonable time, generally 14 days according to the CFPB, for notice that it was undeliverable (12 C.F.R. § 1006.30(a)).
The date that decides how long it can stay
A collection or charged-off account generally cannot be reported once it is more than seven years old (15 U.S.C. § 1681c(a)(4)). The seven years begin 180 days after the start of the delinquency that led to the collection or charge-off (§ 1681c(c)(1)), so the clock is tied to when you fell behind on the original account, not to when ARI bought it. A furnisher reporting such an account must tell the bureau the month and year that delinquency began (§ 1681s-2(a)(5)(A)).
That makes the date of first delinquency the field to check. If ARI’s entry shows a later date than the one on which the delinquency on the original account actually began, the entry would stay past its limit.
Absolute Resolutions entries worth disputing
An accurate entry for a debt that is yours can lawfully stay; the FCRA requires correction or deletion only of information that is inaccurate, incomplete or unverifiable. These are errors the CFPB has told consumers to look for, as they apply to a purchased account:
- An account that is not yours. One belonging to someone with a similar name, or opened through identity theft. See a collection that is not yours, mixed credit files and identity theft.
- A wrong balance. A balance higher than you owed, or one you paid or settled with ARC or a servicer that still shows as owed. See paid off but still on your credit report.
- Wrong dates. An incorrect date of first delinquency or last payment, which can push the entry past its reporting period.
- The same debt listed twice. The CFPB says a multiple listing is not a harmless error and should be disputed with the bureau and the company that reported it. ARC says it has no authority to request deletion of the original creditor’s entry, so a problem with that entry goes to the bureau and the original lender.
Disputing an Absolute Resolutions entry through the credit bureau
Dispute in writing with each bureau that shows the entry, say exactly what is wrong, and enclose what proves it, such as a settlement letter or an identity theft report. Keep copies. See the credit dispute letter template and the guide to removing collections from a credit report.
The bureau must reinvestigate free of charge, generally within 30 days, pass your dispute to ARI within five business days, and delete or modify anything inaccurate, incomplete or unverifiable (15 U.S.C. § 1681i). ARI must then investigate, review what the bureau sent, report the results, and modify, delete or block anything inaccurate, incomplete or unverifiable (§ 1681s-2(b)). That forwarded dispute is what gives a consumer a claim against ARI; its general accuracy duties under § 1681s-2(a) are enforced only by government agencies (§ 1681s-2(c), (d)).
Writing to ARC directly
You can also dispute with the company. ARC’s contact page lists 1-888-766-4028 for credit reporting or account questions and P.O. Box 243, Minneapolis, MN 55439 as its mailing address. A direct dispute must identify the account, say what you dispute and why, and include supporting documents; the company must then investigate and report back within the period a bureau has (12 C.F.R. § 1022.43). Consumers cannot sue under that rule (§ 1681s-2(c)), so send the bureau dispute too.
A furnisher may decline to investigate a dispute that repeats an earlier one without new information, but it must tell you within five business days and say what it needs (§ 1022.43(f)). ARC has used that language. In a dispute response filed in a 2026 federal case, ARC, writing “As Records Custodian for Absolute Resolutions Investments, LLC,” called the dispute “frivolous or irrelevant because it is substantially the same as a dispute previously submitted,” and said it would look again if given new or additional information. Each new dispute should add something the company has not seen. To ask ARC to verify the debt itself, see the free debt verification letter template.
When an Absolute Resolutions entry becomes a legal claim
If a bureau dispute did not fix a wrong entry, these duties may give you a claim:
- ARI’s investigation (15 U.S.C. § 1681s-2(b)). ARI must investigate a dispute forwarded by a bureau and modify, delete or block what is inaccurate, incomplete or unverifiable.
- The bureau’s duties (§§ 1681i, 1681e(b)). The bureau must reinvestigate and follow reasonable procedures for accuracy.
- False credit information (15 U.S.C. § 1692e(8)). Where the Fair Debt Collection Practices Act applies, a debt collector may not communicate credit information it knows or should know is false, including failing to communicate that a disputed debt is disputed.
Under the FCRA, a negligent violation carries actual damages and attorney’s fees (§ 1681o); a willful one carries actual or statutory damages of $100 to $1,000, punitive damages as the court allows, and fees (§ 1681n), with suit due by the earlier of two years after discovery or five years after the violation (§ 1681p). Under the FDCPA, an individual may recover actual damages, additional damages of up to $1,000 as the court allows, costs and a reasonable attorney’s fee (§ 1692k(a)), with suit due within one year (§ 1692k(d)).
I handle these cases on contingency. Cases I have filed over collection accounts, including one against a debt buyer that kept reporting a debt after losing its own collection suit, are on the cases I have filed. Absolute Resolutions sits alongside Portfolio Recovery Associates, LVNV Funding and the rest of the debt collectors and furnishers directory; the FCRA lawsuit page covers what comes after a failed dispute.
Have your Absolute Resolutions entry reviewed
Send me the report page showing the Absolute Resolutions entry, any letters from ARC or a servicer, and what the bureau sent back after your dispute, and I will tell you whether I see a claim. The FCRA attorney page covers how these cases work. Contact the firm to have your report reviewed.
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This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Absolute Resolutions Investments, LLC, Absolute Resolutions Corporation, their servicers, Navy Federal Credit Union or Synchrony Bank, and this page is not a complaint about any of them. Court filings are cited for what the parties stated in them; nothing here is a finding by any court against any company. The page describes how purchased collection accounts can appear on credit reports and the rights consumers have when an entry is wrong.