Product: Debt collection

Ive just reviewed my credit report and noticed there is an inaccurate item on my report. I am concerned about the validity and accuracy of your recent investigation of this account that is reporting on my credit report. Recently, I requested an investigation because I felt the item was not being reported legally. This negative rating on this account has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. This account is in violation of consumer laws under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1666b and 15 U.S.C1637 and The Fair Debt Collection Practices Act ( FDCPA ). 

Under Title 15 U.S. Code 1681a ( d ) ( 2 ) ( b ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Under Title 15 U.S.C 1692 ( a ) Abusive practicesThere is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors Under Title 15 U.S.C 1692c ( c ) that law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt, that debt collector must cease all communications A proper investigation was not done for this account to even report on my consumer file, being another violation of Federal Law Under Title 15 U.S.C 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

IF you have any proof bearing my name, signature, photo id, and other identifying documents please submit the proof. Please note that the above law 15 U.S.C 1681 ( A ) ( E ) just stated this information should NOT come directly from the creditor. Also please note that under 15 U.S.C 1692g a bill from the creditor is not validation. Please provide VALIDATING evidence or proof of such an account under what the law considers validation.

To rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I hereby formally demand the following account ( s ) be removed from my credit file immediately. This erroneous entry has been detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the below requested deletion or requested/required documentation of your investigation, I WILL pursue the enforcements of my constitutional and consumer rights via federal court proceedings with a jury trial. 


ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$450.00} Also please note that under TITLE 15 U.S. CODE 1681i ( a ) ( 1.a ) BY LAW the account has to be removed while under investigation. Failure to respond within 30 days of receipt of this certified letter WILL result in a small claims action against your company, seeking {$1000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ), Defamation.