Product: Credit reporting or other personal consumer reports

I am writing to formally request urgent action against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, regarding an unauthorized, unverified, and derogatory debt reported on my credit file. The mishandling of this account violates numerous provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal statutes. Below, I detail the specific issues and violations that have occurred : 1. Unauthorized Debt Transfer and Lack of Validation ( Violation of 15 U.S.C. 1692g - FDCPA ) On XX/XX/XXXX, the account with a balance of {$3600.00} was transferred from the original creditor to XXXX XXXX XXXX XXXX XXXX, and subsequently to XXXX XXXX XXXX XXXX XXXX, as stated in their response dated XX/XX/XXXX. However, this debt was transferred without my knowledge or authorization, which directly violates FDCPA requirements. Moreover, despite my repeated requests for debt validation as stipulated under 15 U.S.C. 1692g, no sufficient documentation has been provided to prove the legitimacy or details of this debt.

2. Inaccurate Reporting Across Multiple Entities ( Violation of 15 U.S.C. 1681s-2 - FCRA ) The debt has been reported on my credit report under several different entities, each with varying amounts, causing confusion and potential harm to my credit score. Reporting a single debt multiple times under different company names constitutes a clear violation of the FCRA, specifically under 15 U.S.C. 1681s-2, which requires furnishers to report accurate and complete information. This misleading and redundant reporting tactic unfairly impacts my creditworthiness and must be rectified immediately.

3. Failure to Notify Regarding Negative Information ( Violation of 15 U.S.C. 1681m - FCRA ) Under 15 U.S.C. 1681m, creditors are mandated to notify consumers of any adverse information being placed on their credit report. To date, I have not received any such notification or documentation proving that I was adequately informed of this debt. The lack of notification and evidence further demonstrates non-compliance with federal requirements. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in their communication, has acknowledged their error and agreed to remove this debt from my credit report. This acknowledgment highlights the mishandling of my account by the other entities involved, namely XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. It is imperative that they also take immediate action to remove this derogatory account from my credit report, in line with XXXX XXXX XXXX decision. 

XXXX. Legal Consequences and Demand for Immediate Deletion Given the clear violations of the FDCPA and FCRA, I am prepared to pursue all available legal remedies, including seeking damages for unauthorized reporting, failure to validate the debt, and the adverse impact on my credit due to inaccurate and redundant reporting. If this account is not deleted promptly, I will initiate legal proceedings under the provisions of 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ), which provide for statutory damages, actual damages, and attorneys fees for willful non-compliance. 

XXXX. Request for Urgent Action I request the CFPB to intervene and mandate the immediate deletion of this unauthorized and unverified account from my credit report. Enclosed are copies of my credit report and the response from XXXX XXXX XXXX XXXX, XXXX, for your reference. The CFPBs prompt action in this matter will be greatly appreciated to prevent further harm to my credit and to hold these entities accountable for their non-compliance with federal laws.

Thank you for your immediate attention to this serious issue.