Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting this formal complaint regarding the inaccurate reporting of an account by XXXX XXXX XXXX, originally with XXXX XXXXXXXX XXXX XXXXXXXX, as reflected on my credit report. This account has repeatedly been verified despite numerous disputes, and I believe that it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as other laws protecting consumer rights. This account is marked as a collection account, with a balance of {$680.00} ( original balance of {$680.00} ), but it is inaccurately showing as a charge-off or collection, even though I dispute the debt and have not received validation from the debt collector. 

The account in question is listed as follows : Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Balance : {$680.00} Date Opened : XX/XX/XXXX Account Status : Collection, as of XX/XX/XXXX Status Update : XX/XX/XXXX I have disputed this account multiple times with the credit bureaus, but it continues to come back as verified, despite the fact that it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. Violations of FCRA Section 1681i Reinvestigation of Disputed Information Under FCRA Section 1681i, when a consumer disputes an item on their credit report, the credit bureaus must conduct a reasonable reinvestigation. However, despite numerous disputes, this account continues to be verified as accurate with no evidence of a proper investigation. 

Failure to provide documentation : The debt collector, XXXX XXXX XXXX, has failed to provide any supporting documentation or validation for the debt after my request, which violates the requirements for debt verification under FCRA Section 1681i.

2. Violations of FCRA Section 1681c Time Limitations on Reporting FCRA Section 1681c dictates that negative information, such as collections and charge-offs, can stay on your credit report for no longer than 7 years from the date of first delinquency. The account shows as a collection account, but the date of first delinquency ( DOFD ) has not been disclosed to me, and the debt is showing a balance with no clear timeline or evidence to support the charge-off or collection status.

The account should have been removed or corrected if the delinquency date is inaccurate or if the reporting was done improperly.

3. Violations of FCRA Section 1681s-2 ( b ) Duties of Furnishers of Information Under FCRA Section 1681s-2 ( b ), the furnisher of information ( in this case, XXXX XXXX XXXX ) has the duty to investigate and correct any disputed information. However, XXXX has failed to follow these duties. Despite multiple disputes, the account remains on my credit report with no supporting evidence or documentation. This is in direct violation of their obligations under the FCRA to provide accurate and timely information. 

Failure to investigate : The furnisher did not investigate the dispute thoroughly nor correct the inaccuracies in the reporting of this account. 
4. Violations of FCRA Section 1681e ( b ) Accuracy of Credit Reports FCRA Section 1681e ( b ) requires that all information on a credit report be accurate and complete. The status of this account ( marked as a collection ) is inaccurate because : The debt was never validated by XXXX XXXX XXXX. 
The account is being reported with no clear evidence that it was properly charged off or transferred to XXXX XXXX XXXX. 
It is misleading to suggest that this account is accurately reflected when the timeline of the accounts delinquency and charge-off status has not been provided. 
5. Potential Identity Theft or Reporting Error I also suspect that this account may have been opened fraudulently or inaccurately assigned to me. I did not receive any prior notice from the original creditor, XXXX XXXX XXXX, or from XXXX XXXX XXXX, and I have not authorized the sale of this debt to a third-party collection agency. This lack of proper communication could be indicative of an error or potential identity theft.