Product: Debt collection

Subject : Formal Follow-Up on Debt Validation Request and Cease Communication CFPB Case Number : XXXX To Whom It May Concern, I am writing to follow up on my complaint filed under CFPB Case Number : XXXX, which was submitted on XX/XX/XXXX, regarding an alleged debt owed to XXXX XXXX XXXX XXXX currently being handled by XXXX XXXX XXXX XXXX XXXX. 

Timeline of Events : The date of service for the alleged debt is XX/XX/XXXX. 
The debt was listed with your office in XX/XX/XXXX, and you indicated that a validation notice was mailed to me at that time. However, I did not receive the validation notice, nor did I have the opportunity to request validation during the original 30-day validation period.

My formal debt validation request under FDCPA 809 ( b ) was submitted as part of my CFPB complaint on XX/XX/XXXX. 
On XX/XX/XXXX, you responded, confirming that the account has been flagged as disputed, verification has been requested from XXXX XXXX XXXX XXXX, and the account has been placed in cease communication status. You also noted that the account has been requested to be removed from major credit bureaus but stated that you do not control the timeframe for when this request will be reflected by the credit bureaus. 
1. Debt Validation and Federal Compliance As of todays date, I have not received any supporting documentation regarding this debt under FDCPA 809 ( b ). As the debt collector, XXXX XXXX XXXX XXXX XXXX is required by law to provide the following information : A detailed breakdown of the debt, including how the balance was calculated. 
Proof of assignment or transfer of the debt, showing that you are legally authorized to collect this debt on behalf of XXXX XXXX. 
Any signed agreements or contracts related to the debt. 
While you have indicated that you are waiting for verification from XXXX XXXX XXXX XXXX this does not absolve your agency of the responsibility to comply with federal law. I expect these documents to be provided within the 30-day validation period as required by the FDCPA. If you fail to provide these documents, I will pursue further legal action to protect my rights. 

2. FCRA Violations Credit Reporting During Dispute You have stated that the account has been requested to be removed from major credit bureaus. However, under FCRA 611 ( a ) ( 1 ), a debt under dispute must not remain on my credit report during the dispute. Any continued negative reporting on a disputed debt is a violation of the FCRA. 

I request that you provide proof that the debt has been removed from all credit reporting agencies, pending proper validation. If the debt can not be validated, all negative information related to this account must be permanently removed from my credit report. Failure to comply with this requirement will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will explore all legal remedies available under the FCRA. 

XXXX. Permissible Purpose for Credit Report Access As part of my initial debt validation request, I asked for the permissible purpose under which my credit report was accessed, as required by the FCRA. Since the debt remains in dispute and no validation has been provided, I expect a formal explanation of how your agency or any other entity has lawfully accessed my credit report. 

XXXX. Continued Dispute and Your Responsibility as the Debt Collector While you indicated that the timeframe for removing the account from the credit reporting agencies is not within your control, this does not absolve XXXX XXXX XXXX XXXX XXXX from responsibility. As the debt collector, your agency is legally obligated to comply with the FDCPA and the FCRA. Any continued reporting of this disputed debt without validation is a direct violation of these laws. 

I expect the removal process to be completed promptly and to receive confirmation that this has occurred. 

XXXX. Conclusion and Next Steps If you are unable to validate this debt, I request that all negative credit reporting associated with this account be permanently removed from all major credit bureaus, and that no further collection efforts be made. 

If your agency or your client fails to comply with these requests, I reserve the right to escalate this matter legally and seek damages under FDCPA 813 for any violations. 

Thank you for your attention to this matter. I expect full compliance within the legally mandated timelines and look forward to receiving the requested documentation within the next 30 days.