Product: Debt collection

Demand for Chain of Assignment and Account-Level Documentation Under FCRA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute and request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is currently reporting on my credit file as a collection account with a balance of {$80.00}, and a date of last payment of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require that furnishers of information provide consumers with the underlying documentation supporting any account being reportedespecially when its accuracy is disputed. 

As a furnisher of credit data, XXXX XXXX XXXX has a legal duty under 15 U.S.C. 1681s-2 ( b ) to ensure that all information reported to consumer reporting agencies ( CRAs ) is accurate and verifiable. See XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). 

In addition, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to receive all information in the consumers file, including the sources of such information. This includes the chain of assignment and supporting documentation that establishes XXXX XXXXXXXX XXXX  legal right to collect and report the alleged debt. 

Documentation Request To date, I have not received adequate documentation validating this account. Therefore, I am demanding that XXXX XXXX XXXX provide, within 30 calendar days of receiving this letter, the following : The complete chain of assignment, including any bills of sale, contracts, or assignment documents showing how the debt was transferred to XXXX XXXX XXXX ; A copy of the original account agreement or contract, signed by me, establishing the terms and existence of the alleged obligation ; A full and itemized account statement or transaction history from inception to the present, including the date of last payment ( XX/XX/XXXXXXXX  ) ; Copies of any and all notices of assignment or other correspondence notifying me of changes in ownership or servicing rights ; Any other documentation in your possession that supports the accuracy and completeness of the reported {$80.00} balance. 

Legal Notice Failure to provide this documentation within the statutory timeframe may constitute a violation of the FCRA, exposing XXXX XXXX XXXX to liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees and costs, pursuant to 15 U.S.C. 1681n and 1681o. 

In addition, any continued reporting of inaccurate or unverified information may violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e, which prohibits false, misleading, or deceptive practices in the collection of a debt. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence You are hereby placed on formal notice to preserve all evidence related to this account, including but not limited to : internal account notes, communications, documents, and electronic records, as well as correspondence with third parties or consumer reporting agencies. Destruction or alteration of such materials may constitute spoliation of evidence and be subject to legal sanctions.

Please send all responsive documentation and correspondence to the mailing address listed above. Should XXXX XXXX XXXX  fail to fully comply, I am prepared to pursue all legal remedies available, including filing complaints with the CFPB, FTC, and state regulators, and initiating legal action for damages and injunctive relief. 

Govern yourselves accordingly.