Product: Debt collection

I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : XXXX. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
XXXX. A copy of the purchase agreement between LVN Funding LLC and the original creditor that outlines your authority to collect this debt. 

Please consider this letter as my formal request for you to cease all collection activities until this debt has been properly validated. Furthermore, I demand that you immediately remove any and all inaccurate information that you have reported to the credit bureaus concerning this alleged debt. Continuing to furnish this disputed and unverified information would be a direct violation of federal law. 

I expect a response within XXXX  days as required by law. Failure to comply will result in further action being taken to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies. 


XXXX XXXX  Unsecured loan Balance : {$16000.00} Item Codes XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type XXXX Installment (! ) Installment (! ) Installment (! ) Account Type - Detail- (! ) Unsecured loan (! ) Unsecured loan (! ) Bureau Code - - - Account Status XXXX Closed (! ) Closed (! ) Open (! ) Monthly Payment XXXX {$0.00} {$0.00} {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Balance XXXX {$16000.00} {$16000.00} {$16000.00} No. of Months ( terms ) XXXX XXXX (! ) XXXX (! ) XXXX (! ) High Credit XXXX {$16000.00} (! ) {$15000.00} (! ) {$15000.00} (! ) Credit Limit XXXX {$0.00} {$0.00} {$0.00} Past Due XXXX {$14000.00} {$14000.00} {$14000.00} Payment Status XXXX Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date of Last Payment XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) Account was in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss Comments XXXX Consumer disputes this account information Charged off account Charged off as bad debt Dispute resolved; reported by grantor Account # XXXX XXXX XXXX _ Account Type XXXX Open Account (! ) Open Account (! ) _ (! ) Account Type - Detail Collection (! ) Unknown - credit extension, review, or collection (! ) _ (! ) Bureau Code - - _ Account Status XXXX XXXX (! ) Closed (! ) _ (! ) Monthly Payment XXXX {$0.00} {$0.00} _ Date Opened XXXX XX/XX/XXXX XX/XX/XXXX _ Balance XXXX {$16000.00} {$16000.00} _ No. of Months ( terms ) XXXX XXXX (! ) XXXX (! ) _ (! ) High Credit XXXX {$16000.00} {$16000.00} _ Credit Limit XXXX {$0.00} {$0.00} _ Past Due XXXX {$16000.00} {$16000.00} _ Payment Status XXXX Late 120 Days (! ) Collection/Chargeoff (! ) _ (! ) Last Reported XX/XX/XXXX (! ) XX/XX/XXXX (! ) _ (! ) Date Last Active XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) _ (! ) Date of Last Payment XXXX XX/XX/XXXX (! ) - (! ) _ (! ) XXXX Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) _ (! ) Comments XXXX XXXX account Account seriously past due __