Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Re : Formal Notice of Dispute and Demand for Immediate Action This letter serves as a formal notice disputing the inaccuracies, deceptive practices, and violations in the reporting and handling of the following accounts on my consumer credit report. These issues are outlined in detail below, along with demands for corrective actions pursuant to federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The only address that is authorized to appear on my consumer report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX I have provided proof of my address as required under federal law, including documentation that verifies my residence. All other addresses currently appearing on my consumer report are unauthorized and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ) and guidance from the Federal Trade Commission ( FTC ). Failure to remove these unauthorized addresses perpetuates the false and deceptive practices already outlined in this correspondence, further misrepresenting my credit worthiness, credit standing, and credit capacity. This is a direct violation of 15 U.S.C. 1681c, which requires credit reporting agencies to ensure accuracy and completeness of consumer data. XXXXXXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Reported Status : Profit and loss write-off, with an active balance of {$880.00}. The following violations have occurred : Failure to Issue IRS Form 1099-C : Despite reporting this account as a profit and loss write-off, XXXX XXXX failed to issue a 1099-C Cancellation of Debt form, violating IRS regulations. This suggests the account has not been accurately discharged. Failure to Provide Notice of Negative Reporting : XXXX XXXX did not provide proper notice, as required under 15 U.S.C. 1681s-2, within 30 days of furnishing negative information to the credit bureaus. Demand : Remove the inaccurate reporting of the balance immediately. Provide evidence that the account was validly charged off, including proper IRS documentation, or delete the account from my credit report entirely. XXXX. XXXX XXXXXXXX XXXX  Accounts Account XXXX : Opened XX/XX/XXXX Account XXXX : Opened XX/XX/XXXX XXXX. XXXX XXXX Account Date Opened : XX/XX/XXXX These accounts demonstrate similar issues to the XXXX XXXX account : Deceptive reporting practices, including failure to provide proper notices after furnishing negative information. Misrepresentation of the nature of the accounts, creating inaccuracies in my credit report that harm my creditworthiness. Demand : Immediately delete or correct any false and misleading information related to these accounts. Provide verification of the accounts validity and compliance with legal reporting requirements. XXXX. Collection Accounts Credence Resource Management Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Pro Collect Date Opened : XX/XX/XXXX Each of these collection accounts demonstrates serious violations of federal laws, as outlined below : XXXX. Improper Assignment of Debt ( 15 U.S.C. 812 ( a ) and 1692e ) : By continuing to reference the original creditor in their attempts to collect, these agencies have created a false and deceptive belief that the original creditor is still involved in the collection process. This deliberate misrepresentation violates 15 U.S.C. 1692e, which prohibits false or misleading representations, and 812 ( a ), which governs the proper assignment of debts. This deceptive practice is intended to intimidate and mislead me into believing the original creditor endorses the collection actions, which is not the case. XXXX. Extortionate Practices ( 18 U.S.C. 894 ) : These collection agencies have attempted to collect alleged debts without providing proof of ownership or legal authority. This constitutes extortionate practices under 18 U.S.C. 894, which strictly prohibits the use of threats or coercive measures to collect a debt when the collector can not demonstrate lawful ownership or assignment of the debt. Their actions are not only unlawful but also indicative of bad faith and fraudulent intent. XXXX. Failure to Validate Debt ( 15 U.S.C. 1692g ) : None of the collection agencies provided adequate validation of the debts, including : Proper documentation proving the validity of the debts. Evidence of legal ownership or assignment of the debts. A full accounting of the alleged amounts owed. XXXX. Failure to Provide Notice Before Furnishing Negative Information ( 15 U.S.C. 1681s-2 ) : These agencies did not notify me within the required timeframe of their intent to furnish negative information to the credit reporting agencies, violating the Fair Credit Reporting Act.