Product: Debt collection

XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX And January ( Third-Party Collector ) [ Address from January Communication ] Subject : Formal Demand to Cease and Desist, Validate Debt, and Address Reporting Violations Reference Account : Ending in XXXX Dear XXXX XXXX XXXXXXXX and January, This letter serves as formal notice regarding alleged violations of federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant statutes. The following addresses both XXXXXXXX XXXX conduct and that of its third-party collector, January, pertaining to my alleged account and credit reporting practices.

1. Failure to Validate Debt and Notice of Furnishing Negative Information Pursuant to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ), XXXXXXXX XXXX XXXXs required to notify consumers no later than 30 days after furnishing negative information to credit reporting agencies. I demand proof of the exact notice XXXXXXXX XXXX sent to me, including : The date the notice was sent ; The tracking number or verifiable proof of delivery ; and A copy of the actual notice. 

If this notice was not sent or was sent improperly, XXXXXXXX XXXX has violated the FCRA and failed to provide legally required transparency.

Furthermore, I demand verification of the original date of delinquency on this account. This is crucial because it determines the applicable reporting timeline under 15 U.S.C. 1681c ( a ) ( 4 ) for negative credit information. Any inaccuracies or attempts to re-age the account will be considered a willful violation of federal law.

2. Reporting Inconsistencies Across Credit Bureaus XXXXXXXX XXXX has inconsistently reported this account across credit bureaus, notably removing it from XXXX while continuing to report it to other agencies. This inconsistency raises serious concerns about accuracy and compliance under 15 U.S.C. 1681e ( b ), which mandates that furnishers ensure the accuracy and completeness of information they report.

Failure to maintain uniform reporting is deceptive and prejudices my financial standing, constituting actionable violations of the FCRA. 

3. Improper Debt Collection and Extortionate Practices Your third-party collector, January, has engaged in collection efforts on a debt XXXXXXXX XXXX has written off as charged-off. If XXXXXXXX XXXX has issued a 1099-C form for this account, it legally signifies the debt has been canceled and is no longer valid for collection. 

If XXXXXXXX XXXX has not issued a 1099-C, it must provide : Proof that the debt remains legally enforceable ; Confirmation that the receivable was not securitized and sold to an investor or trust.

The simultaneous charge-off and assignment to a third-party collector for recovery amounts to extortionate practices and potential double-dipping, in violation of 18 U.S.C. 894. This behavior reflects predatory tactics to improperly profit from the same debt.

4. Violations of the Fair Debt Collection Practices Act ( FDCPA ) The third-party collector, January, has violated the FDCPA, including but not limited to : Misrepresentation by failing to validate the debt adequately under 15 U.S.C. 1692g ( b ) ; Engaging in deceptive practices by referencing a charged-off account as collectible when XXXXXXXX XXXX no longer owns or lawfully enforces the debt; Attempting to create confusion regarding ownership and status of the debt to pressure payment, violating 15 U.S.C. 1692e.

5. Accumulated Penalties for Violations The cumulative violations outlined above carry significant civil liability under federal law. For each proven violation, penalties may include : Up to {$1000.00} in statutory damages per violation under the FDCPA and FCRA ; Actual damages, including harm to my creditworthiness, emotional distress, and financial injury ; Punitive damages for willful noncompliance.

6. Demands and Resolution To avoid escalating this matter to formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities, I demand the following : 1. Immediate cessation of all collection activities related to this alleged debt by January. 
2. Complete removal of the XXXXXXXX XXXX account And my name connected to any debts from all credit reporting agencies due to violations of accuracy and consistency requirements.

3. Provision of : Documentation proving the alleged debt is valid, including the signed agreement or original contract with my wet ink signature Evidence XXXXXXXX XXXX  lawfully owns the debt or proof of lawful assignment to a third party ; A full accounting of the alleged debt, including the original delinquency date and all activity since.