Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX XXXX XXXX for their violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The company has engaged in fraudulent reporting, inadequate debt validation, and deceptive practices that have harmed my credit and financial standing. 

Summary of the Issue : Fraudulent and Inaccurate Credit Reporting : XXXX XXXX XXXX reported an account in my name for {$420.00} as " Derogatory '' and " Collection/Chargeoff. '' This information is inaccurate and fraudulent, containing inconsistencies in dates, status, and legitimacy : The account is listed as " Open '' but also as " Collection, '' creating conflicting status information.

The " Date Last Active '' ( XX/XX/2023 ) is fabricated since I have not engaged with this account. 
The account inaccurately reflects a $ 0 monthly payment alongside a {$420.00} balance. 
Experian and XXXX have reported inconsistent payment history ( " CO '' for Experian and " OK '' for XXXX ). 
The account is reported to Experian and XXXX but not to XXXX, violating FCRA 1681e ( b ).

Inadequate Validation of Debt : Despite my disputes, XXXX responded with a generic " validation of debt '' response that failed to include critical information required for proper validation. Specifically : No signed contract or agreement was provided to confirm my obligation to the debt. 
No evidence identifying the representative I allegedly spoke with or documentation proving the debt is mine. 
No detailed account history or chain of custody for the debt. 
Failure to Notify Me of the Debt as Required by Law : I have never received any notification of this alleged debt as required under 15 U.S.C. 1692g ( a ) of the FDCPA. 
If XXXX XXXX XXXX claims otherwise, I request they provide evidence of delivery or a signed acknowledgment proving I received such notification. 
Admitted Validation but Continued False Reporting : XXXX XXXX XXXX acknowledged providing validation but continued to report false and inaccurate information to credit bureaus. Under FCRA 1681s-2 ( a ), they are obligated to update and ensure the accuracy of the information they furnish.

Failure to Provide 1099-C for Charged-Off Debt : The alleged debt was charged off, but XXXX has not provided a 1099-C form for cancellation of debt exceeding {$600.00}, as required under 26 U.S.C. 6050P.

Applicable Laws Violated Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure accurate reporting by furnishing false and unverifiable information.

1681i : Failure to conduct a reasonable reinvestigation of disputed information to ensure accuracy.

1681s-2 ( a ) : Continuing to report false and unverifiable information to credit bureaus after disputes.

1681q : Obtaining and using false information from credit reports under false pretenses. 
Fair Debt Collection Practices Act ( FDCPA ) : 1692e : Use of false or misleading representations to collect a debt.

1692f : Employing unfair or unconscionable means to collect a debt.

1692g : Failing to provide proper written notification of the debt and failing to validate it adequately.

FTC Act 15 U.S.C. 45 ( a ) : Engaging in unfair and deceptive acts or practices that harm consumers.

Dodd-Frank Act 12 U.S.C. 5531 : Violating UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) standards. 
Actions Requested : Investigate XXXXXXXX XXXX XXXX practices for compliance with the FCRA, FDCPA, and other laws. 
Require XXXX XXXX XXXX to immediately delete this account from all credit bureaus due to its fraudulent and unverifiable nature. 
Impose penalties or corrective actions against XXXX for their repeated violations. 
Potential Legal Actions : If my demands are not met, I reserve the right to : Seek damages under FCRA 1681n and 1681o and FDCPA 1692k.

File complaints with state and federal regulatory agencies.

Pursue legal action for deceptive practices under the FTC Act and Dodd-Frank Act.

Attached Supporting Documents : Credit Report Screenshot : Highlighting inaccurate account information. 
Prior CFPB Complaint Summary and Response : Showing XXXXXXXX XXXX XXXX inadequate responses.