Product: Debt collection

XXXX XXXX, XXXX and XXXX XXXX, XXXX and sent several letters to collection agency disputing the alleged amount. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX is obvious a collection who not following the law. Below are the facts in this matter.Please foreword my complaint to all three credit bureau removing this frivolous information. 


Office of Management and Budget 1320.6 this section, and will consider whether the burden of the collection of information is justified by its practical utility. In addition : ( 1 ) OMB will consider necessary any collection of information specifically mandated by statute or court order, but will independently assess any collection of information to the extent that the agency exercises discretion in its implementation ; and ( 2 ) OMB will consider necessary any collection of information specifically required by an agency rule approved or not acted upon by OMB under 1320.11 or 1320.12, but will independently assess any such collection of information to the extent that it deviates from the specifications of the rule. 
( f ) Except as provided in XXXX320.15, to the extent that OMB determines that all or any portion of a collection of information is unnecessary, for any reason, the agency shall not engage in such collection or portion thereof. OMB will reconsider its disapproval of a collection of information upon the request of the agency head or Senior Official only if the sponsoring agency is able to provide significant new or additional information relevant to the original decision. 
( g ) An agency may not make a substantive or material modification to a collection of information after such collection of information has been approved by OMB, unless the modification has been submitted to OMB for review and approval under this Part. 
( h ) An agency should consult with OMB before using currently approved forms or other collections of information after the expiration date printed thereon ( in those cases where the actual form being used contains an expiration date that would expire before the end of the use of the form ).

1320.6 Public protection. 
( a ) Notwithstanding any other provision of law, no person shall be subject to any penalty for failing to comply with a collection of information that is subject to the requirements of this part if : ( 1 ) The collection of information does not display, in accordance with 1320.3 ( f ) and 1320.5 ( b ) ( 1 ), a currently valid OMB control number assigned by the Director in accordance with the Act ; or ( 2 ) The agency fails to inform the potential person who is to respond to the collection of information, in accordance with 1320.5 ( b ) ( 2 ), that such person is not required to respond to the collection of information unless it displays a currently valid OMB control number. 
( b ) The protection provided by paragraph ( a ) of this section may be raised in the form of a complete defense, bar, or otherwise to the imposition of such penalty at any time during the agency administrative process in which such penalty may be imposed or in any judicial action applicable thereto.

( c ) Whenever an agency has imposed a collection of  information as a means for proving or satisfying a condition for the receipt of a benefit or the avoidance of a penalty, and the collection of information does not display a currently valid OMB control number or inform the potential persons who are to respond to the collection of information, as prescribed in 1320.5 ( b ), the agency shall not treat a persons failure to comply, in and of itself, as grounds for withholding the benefit or imposing the penalty. The agency shall instead permit respondents to prove or satisfy the legal conditions in any other reasonable manner. 
( 1 ) If OMB disapproves the whole of such a collection of information ( and .the disapproval is not overridden under 1320.15 ), the agency shall grant the benefit to ( or not impose the penalty on ) otherwise qualified persons without requesting further proof concerning the condition.

( 2 ) If OMB instructs an agency to make a substantive or material change to such a collection of information ( and the instruction is not overridden under 1320.15 ), the agency  shall permit respondents to prove or satisfy the condition by complying with the collection of information as so changed. 
( d ) Whenever a member of the public is protected from imposition of a penalty under this section for failure to comply with a collection of information, such penalty may not be imposed by an agency directly, by an agency through judicial process, or by any other person through administrative or judicial process.