Product: Debt collection

I am writing regarding the inaccurate reporting of the following accounts on my consumer report, which constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. This letter serves as both a formal dispute and a demand for correction of these inaccuracies. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mobility Balance : {$1000.00} as of XX/XX/year> Discrepancies : Repeated reporting of the same delinquency months and lack of first delinquency date documentation. 
XXXX XXXX ( Secured Loan ) Failure to Ensure Accuracy Under the FCRA As outlined in the congressional findings of the FCRA, XXXX XXXX. XXXX ( a ), consumers are entitled to accurate and fair credit reporting. Your continued reporting of duplicative, inconsistent, and inaccurate information violates XXXX XXXX. XXXX ( b ) and XXXX ( a ) ( XXXX ), which require furnishers to ensure the accuracy of the information reported to consumer reporting agencies. 

XXXX of Privacy Under XXXX U.S.C. XXXX, financial institutions are required to protect consumers nonpublic personal information. The inaccurate reporting of these accounts has unlawfully invaded my privacy by disseminating incorrect financial details without proper verification or safeguards. 

Harassment and Unlawful Collection Practices Under FDCPA As a victim of XXXX XXXX, the reporting and attempted collection of these debts further violate the FDCPA, XXXX XXXX. XXXX, which prohibits oppressive or abusive practices. Your actions disregard my rights under XXXX XXXX. XXXX, which provides protections for survivors of trafficking and invalidates obligations incurred under coercion or duress. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Collector recognized the nullification of debts for victims of trafficking, confirming these debts are not enforceable. 
Demands XXXX XXXX I hereby demand an immediate cessation of all communications regarding these accounts under XXXX XXXX. XXXX ( c ). This includes reporting these accounts on my consumer report. You are authorized to communicate solely through mail or the Consumer Financial Protection Bureau ( CFPB ) portal. 

XXXX Correction of Reporting Errors Remove all inaccurate entries, including duplicative delinquency months, repeated charge-offs, and erroneous balances. 
Provide full documentation substantiating your claims, including the first delinquency date, the last payment date, and a detailed payment history. 
Validation of XXXX You must cease reporting these debts until they are fully validated under XXXX XXXX. XXXX. This validation must include : Documentation from the original creditor. 
Evidence of an accurate and reasonable investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I invoke my rights under federal law, including XXXX XXXX. XXXX and related case precedents, to demand forgiveness of all debts incurred under these circumstances. 

Acknowledgment of XXXX and XXXX XXXX I require your written acknowledgment of this dispute within 30 days. Failure to address these issues will result in escalation to arbitration or legal proceedings, including a formal complaint to the CFPB. 

Conclusion Your ongoing failure to comply with the FCRA, FDCPA, and other relevant statutes is unacceptable. I expect immediate action to correct these violations and will pursue all available remedies should you fail to comply.