Product: Debt collection

Thanks for sharing the details. Based on this information, XXXX adjust the letter to include specifics about the child support reporting, emphasizing the dispute resolution status and challenging the ongoing negative reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Child Support Services XXXX XXXX XXXX XXXX, CA XXXX Re : Cease Reporting of Child Support Debt Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the negative child support entry currently being reported on my credit file by your agency. The account in question lists numerous late payments and a status of XXXX days late, negatively affecting my credit score. Furthermore, my credit report reflects the note Dispute resolved reported by grantor, which indicates prior action on this matter. Despite this, you continue to report the debt negatively, which constitutes a violation of my rights under federal law. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to report accurate and complete information. Continuing to report this debt as delinquent after resolving the dispute constitutes inaccurate reporting. Since this matter has been marked as resolved, any further negative reporting may be considered willful non-compliance under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate.

2. Unauthorized Debt Collection and Reporting Child support obligations are typically handled through state enforcement agencies, and the reporting of such obligations must comply with both federal and state regulations. If your agency has assumed the role of a debt collector for this obligation without proper verification, it may violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Additionally, you have neither provided verification of the debt upon my previous disputes nor obtained my explicit permission to continue reporting this item. 

3. Legal Precedents In XXXX v. XXXX XXXX ( XXXX F.R.D. XXXX, XXXX. XXXX ), it was established that continuing to report a disputed debt without adequate investigation violates the FCRA. Your actions similarly constitute negligent reporting and failure to perform due diligence. 

Demand for Immediate Action : Cease all negative reporting of this child support account to all credit bureaus ( including TransUnion, XXXX, and XXXX ) immediately. 
Provide written confirmation that the negative information has been removed and that no further adverse reports will be made regarding this matter. 
Cease all collection activities related to this alleged debt, as required under the FDCPA until proper verification is provided. 

Failure to comply with these demands will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also explore legal action for damages related to your non-compliance with the FCRA and FDCPA. 

Please consider this letter a formal notice to rectify these issues immediately. I expect a response within 15 days from the date of receipt. 

Sincerely, XXXX XXXX You can submit this to the CFPB and send a copy to the agency. Make sure to keep records of your correspondence. Let me know if you need help with the CFPB complaint process!