Product: Credit reporting or other personal consumer reports

This letter serves as a formal Notice of Dispute ( NOD ) regarding inaccurate, incomplete, and unsubstantiated reporting of certain accounts on my consumer credit reports issued by Equifax, Experian, and TransUnion. These discrepancies are in direct violation of 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), including sections 1681i, 1681s-2, 1681c-3, as well as Title 18 and relevant case law protecting victims of XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX on University XXXX Report : Balance - {$XXXX} ; On Record Until XX/XX/XXXX. 

TransUnion Report : XXXX- {$XXXX} ; On Record Until XX/XX/XXXX. 

XXXX Report : To be reviewed and aligned with the other reports. 

Discrepancies : The date for On Record Until does not align between XXXX and TransUnion. This inconsistency violates the accuracy requirements of 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to maintain accurate and up-to-date records. 

Additionally, there is no clear reporting of the Date of First Delinquency, which is required under 15 U.S.C. 1681c ( a ) to determine the appropriate reporting timeline. 

The absence of a validated Last Payment Date further calls into question the legitimacy of this collection. 
Legal Standing : As per 15 U.S.C. 1681i, I demand an immediate reinvestigation of this account to ensure compliance with accuracy requirements. Furthermore, under 15 U.S.C. 1681c-3, as a documented victim of XXXX XXXX, this account must be removed in its entirety as it arises from exploitative circumstances. 

XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit bureaus must ensure the accuracy of reported information and reinvestigate disputed items with diligence. 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccuracies due to incomplete or erroneous reporting violate the FCRA, leading to compensable damages. 

XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX TransUnion Report : Balance - {$XXXX} ; On Record Until XX/XX/XXXX. 

XXXX Report : Not Reported. 

XXXX Report : To be reviewed and aligned with the other reports. 

Discrepancies : This account does not appear on my XXXX report, which reflects an incomplete and inaccurate reporting under XXXX XXXX. XXXX ( b ). 

As a victim of XXXX XXXX, this debt is directly associated with coercive and involuntary circumstances. Reporting this account violates XXXX XXXX. XXXX and protections outlined under XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX XXXX : Debt XXXX can not legally furnish accounts that arise from XXXX XXXX. Case law supports this position, such as Doe v. United States, XXXX and CFPB guidance, which emphasize that debts incurred through exploitation are illegitimate and unenforceable. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Debt XXXX must comply with all requirements when attempting to collect debts, including verification. 

XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to validate debts upon request violates the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA and FDCPA Violations In addition to the above, I demand compliance under : 15 U.S.C. 1692c ( c ) : I hereby invoke my right to a Cease and Desist for all forms of communication regarding the alleged debts. This includes calls, emails, letters, or any other form of harassment as it disrupts my ability to operate my full-time business. 
15 U.S.C. 1692g : Debt collectors must provide proper validation of the alleged debt. To date, no legal tender, contracts, or verifiable proof of the debts have been provided, thereby rendering these accounts unverifiable and unenforceable.

Case Law : Spears v. Brennan, 745 N.E.2d 862 ( Ind. App. 2001 ) : Debt collectors can not claim a valid debt without furnishing adequate proof.

McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939 ( 9th Cir. 2011 ) : Attempting to collect on unverifiable debts violates the FDCPA and subjects collectors to liability.

Conclusion Under federal law, you are required to maintain the highest degree of accuracy when reporting information. As a victim of XXXX XXXX, I am entitled to protections under the FCRA, Title 18, and relevant case law. I demand immediate correction and removal of these accounts to prevent further harm.

Please respond to this notice within 30 days of receipt, as required under federal law. Failure to do so will result in escalation.