Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Erroneous Collections on My Credit Report NAME : XXXX XXXX XXXX : XXXX Phone : XXXX Email - XXXX Dear Consumer Financial Protection Bureau XXXX I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. I am hereby requesting validation for this negative information reported. I challenge the accuracy, compliance and reportability of this listing I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. The erroneous collections I am disputing are listed as follows : 1. Collection Agency Name : XXXX XXXX XXXX - Never did business with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Phone number ( XXXX ) XXXX Account Number : XXXX Amount of Debt : {$1200.00} - Date of First Delinquency : XXXX XXXX XXXX XXXX Account # XXXX - Amount of debt - {$1200.00} Delinquency - {$1200.00} - Date of Deliquency - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Never did business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Phone number ( XXXX ) XXXX - Account # XXXX Amount of Debt {$1800.00} Collection Agency - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX - Collection Amount XXXX Account # XXXX XXXX XXXX - Never did business with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, TX XXXX Phone number ( XXXX ) XXXX COLLECTION AMOUNT - {$1600.00} Account # XXXX XXXX. Collection Agency Name : XXXX XXXX XXXX - Never did business with XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX Account Number : XXXX Amount of Debt : {$3200.00} - Date of First Delinquency : XXXX XXXX XXXX XXXX Account # XXXX - Amount of debt - {$3200.00} Delinquency - {$3200.00} - Date of Deliquency 2019 I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX if you require any further information from my end. Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX