Product: Debt collection

XXXX XXXX XXXX XXXX Ct XXXX XXXX, MI XXXX XX/XX/year> Omega RMS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX RE : FORMAL DISPUTE OF UNVERIFIED DEBT AND DEMAND FOR IMMEDIATE CORRECTION To Whom It May Concern : This letter serves as a formal dispute of the alleged debt you have attributed to me. The information you have reported is both inaccurate and improperly verified. Your methods of verification are wholly insufficient and fail to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, both of which outline your legal obligations in handling and reporting debt information. Your continued attempts to collect this debt and the negative credit reporting without proper verification constitute a violation of these laws, and I demand immediate corrective action.

Violation of Verification Requirements under the FDCPA and FCRA : 1. Failure to Properly Verify Debt ( FDCPA 809 ( b ) ) : Under the FDCPA, debt collectors are required to verify the accuracy of the debt when requested. To date, you have not provided adequate proof that this debt is valid or that it belongs to me. You are required to obtain detailed documentation of the original creditors records to validate this debt. Any vague or incomplete attempts at verification are a direct violation of the FDCPA.

2. FCRA 611 Duty to Reinvestigate Disputed Information : Under the FCRA, you are legally obligated to conduct a reasonable investigation into the accuracy of any disputed information reported to credit bureaus. Based on my review, your methods of verification have been anything but reasonable. If this inaccurate information is not immediately corrected, you are exposing yourself to statutory fines, including : Civil liability for willful noncompliance ( FCRA 616 ), which can result in damages of up to {$1000.00} per violation.

Punitive damages, attorneys fees, and costs of legal action for negligent noncompliance under FCRA 617.

Your Noncompliance and Legal Liability : Your failure to properly verify this debt or cease reporting inaccurate information to credit bureaus is a direct violation of my rights under these laws. You are on notice that any further actions taken by you to collect on this debt or report this information to credit reporting agencies will be met with legal action. I will not hesitate to seek damages for : Statutory damages for each violation of the FDCPA and FCRA.

Punitive damages for the harm caused to my creditworthiness and financial standing.

Attorneys fees and legal costs associated with pursuing legal remedies against your company.

Immediate Action Required : You are hereby instructed to : 1. Cease and desist all communication regarding this alleged debt.

2. Immediately remove any negative or derogatory information you have reported to credit bureaus regarding this debt.

3. Provide written confirmation within 30 days that this debt has been removed from my credit reports and that no further collection attempts will be made.

Failure to comply with these demands will result in aggressive legal action against you, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and litigation to recover damages.

This is your final warning before legal action is taken. 

Sincerely, XXXX XXXX