Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to formally report numerous inaccuracies on my credit report that constitute a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, I believe there are multiple discrepancies that not only misrepresent my credit history but also violate 15 USC 1681a-i, as well as the regulations set forth by the Consumer Data Industry Association ( CDIA ).

Despite my efforts to resolve these inaccuracies directly with the credit reporting agencies, my concerns have not been adequately addressed, and the erroneous information remains on my report. These inaccuracies are causing me significant distress and impacting my creditworthiness. 

I kindly request your assistance in investigating these matters and in taking the necessary steps to ensure the removal of the inaccurate items from my credit report immediately. 

I appreciate your attention to this urgent matter and look forward to your prompt response. 

Your actions appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. You have not provided the disclosures required under 12 CFR 1006.34 ( d ).

2. You are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) concerning the accuracy of information provided to consumer reporting agencies.

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

In light of this information, I hereby request a complete validation of the alleged debt, as prescribed under the FDCPA. This validation must include : 1. A detailed validation of the debt, including the amount owed and the name of the original creditor.

2. A copy of the purchase agreement and the original creditor that outlines your authority to collect on this account.

Please provide this documentation within 30 days of receipt of this letter. Failure to provide this information will result in your company being required to cease all collection activities regarding this alleged debt, and you must rectify the inaccurate reporting with the consumer reporting agencies. 



XXXX XXXX Filters TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Miscellaneous Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length -- -- -- Past Due Amount {$600.00} {$600.00} {$600.00} Account XXXX Credit Card Credit Card XXXX XXXX XXXX XXXX {$400.00} {$400.00} $ XXXX XXXX XXXX XXXX Filters XXXX XXXX Account # XXXX High Balance {$1800.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$1200.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Sales Financing Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks XXXX XXXX account XXXX reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length 12 Month ( XXXX ) Past Due Amount {$1200.00} Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$80.00} {$80.00} {$80.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$80.00} {$80.00} {$80.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Cellular Telephone/Paging Companies Wireless Telephone Service XXXX XXXX XXXX Account XXXX Closed Closed Open Payment Status Collection/Chargeoff Collection/Chargeoff Late 120 Days Creditor Remarks XXXX Account Account XXXX XXXX by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length -- 1 Month ( XXXX ) -- Past Due Amount {$80.00} {$80.00} {$80.00} Account XXXX XXXX XXXX XXXX XXXX extension, review, or collection Collection Payment XXXX XXXX XXXX {$0.00} {$0.00} $ XXXX TOOLS Filters TransUnion XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance {$5000.00} {$5000.00} {$5100.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$5100.00} {$5100.00} {$5100.00} Closed Date -- -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Machinery/Equipment Supplies Sales Financing Miscellaneous Finance Account Status Open Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad XXXX XXXX and XXXX XXXX Account XXXX XXXX XXXX date/account assigned to attorney, collection agency, or credit XXXX 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Secured Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 60 Month ( XXXX ) 60 Month ( XXXX ) -- Past Due Amount {$5100.00} {$5100.00} {$5100.00} Account XXXX XXXX XXXX XXXX XXXX XXXX loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} $ XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$3100.00} {$3100.00} {$3700.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$3700.00} {$3700.00} {$3700.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Sales Financing Personal Loan Companies Personal Loan Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Unpaid balance reported as a loss by the XXXX XXXX. 
Charged off account Unsecured Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length 33 Month ( XXXX ) 33 Month ( XXXX ) -- Past Due Amount {$3700.00} {$3700.00} {$3700.00} Account XXXX XXXX loan Unsecured loan Unsecured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} $ XXXX Filters XXXX XXXX Account # XXXX High Balance {$460.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$460.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account disputed Creditor Type Factoring Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Consumer disputes after resolution Collection account Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$460.00} Account Type Collection Payment Frequency Credit Limit $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX High Balance {$870.00} {$870.00} Last Verified -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$870.00} {$870.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length 1 Month ( s ) -- Past Due Amount {$870.00} {$870.00} Account Type Unknown - credit extension, review, or collection XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00}