Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dispute of Credit Report Inaccuracies and Demand for Validation To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the information reported on my credit report by your bureaus, XXXX, XXXX, and XXXX XXXX concerning the following accounts. The reported information is incorrect, and the accounts are in violation of various consumer protection laws. I demand an immediate investigation and resolution of these inaccuracies. # # # Accounts and Disputes 1. XXXX XXXX XXXX - **Last Reported** : XX/XX/XXXX - **Reported Balance** : {$1200.00} - **Original Creditor** : XXXX XXXX XXXX  - **Account Status** : Open - **Opened** : XX/XX/XXXX ( 11 months ) - **Responsibility** : Individual - **Remarks** : Collection account # # # Violations and Requests for Correction The aforementioned accounts have been inaccurately reported and are in violation of several sections of the FCRA, FDCPA, and GLBA, including but not limited to : - **15 U.S. Code 1692d** : Harassment and abuse - The reporting of these accounts has caused undue stress and trauma, violating this section. - **15 U.S. Code 1692j** : Furnishing deceptive forms - I am not participating in the collection of these alleged debts. Cease and desist immediately. - **15 U.S.C. 1681i ( 7 ) ** : Method of verification - These accounts were reported without valid evidence. - **15 U.S. Code 1681e ( b ) ** and **15 U.S. Code 1681i ( 5 ) ** : The account information is not reported 100 % accurately. - **15 U.S. Code 1681b** : Permissible purposes of consumer reports - I never gave written consent to report anything on my consumer reports ; no consent is fraud. - **15 U.S. Code 1692g** : Validation of debts - I was not notified in writing within 5 days as required. - **15 U.S. Code 1681a ( 4 ) ** : Violation of consumer right to privacy. - **15 U.S. Code 1681s-2 ( 3 ) ** : Duty to provide notice of disputes. - **15 U.S.C. 6802 ( b ) ** : I have the right to opt out of disclosures of my personal information. Additionally, I never received a 1099-C form for any charged-off amount, which is required if the debt had indeed been canceled. The absence of a 1099-C form indicates that there has been no formal debt cancellation, further proving the debt is inaccurately reported. In accordance with **15 U.S. Code 1681b**, **15 U.S.C. 1681i ( 7 ) **, and **15 U.S.C. 1692g**, I demand the following : # # # Requested Action 1. **Immediate Investigation** : Conduct a thorough investigation into the disputed accounts and provide me with the investigation results within the required timeframe under FCRA. 2. **Verification and Validation** : Provide valid evidence and documentation supporting the accuracy of these accounts, including my wet signature agreeing to these debts. 3. **Cease Reporting** : Cease reporting any inaccurate or unverified information to any credit reporting agency until these disputes are resolved in accordance with FCRA guidelines . 4. **Notice of Correction** : Provide me with a written notice of correction and updated credit reports from XXXX, XXXX, and XXXX once the investigations are completed and corrections have been made. 5. **Monetary Compensation** : Due to the inaccurate reporting and resulting damages, I demand compensation of {$1000.00} for each violation as outlined by the consumer protection laws. Please provide me with a written response acknowledging the receipt of this dispute within 15 days of your receipt. I appreciate your prompt attention to this matter and look forward to your swift resolution of these disputes. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX-