Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX [ XXXX XXXX XXXX CA XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] [ ***, XXXX ] ss List of collections [ XX/XX/XXXX XXXX ] [ XXXX XXXX XXXX XX/XX/XXXXXXXX ] XXXX XXXX XXXX XXXX XXXX ] [XX/XX/XXXX XXXX ] [ XX/XX/XXXXXXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX XXXX ] [ XXXXXX/XX/XXXXXXXX XXXX ] Request for Debt Forgiveness and Credit Score Correction Due to Scams Under 2025 California Laws and 15 U.S.C. 1692c ( c ) Dear [ [ XXXX XXXX XXXX [ XXXX XXXX XXXX XX/XX/XXXXXXXX ] [ XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX XXXX ] [ XX/XX/XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX XXXX ] [ XXXXXX/XX/XXXX XXXX XXXX ] , I am writing to formally address the negative impact on my credit score and to request debt forgiveness due to fraudulent activities that have resulted in unauthorized debts being attributed to me. As a victim of scams, I am seeking relief under the new 2025 California laws and the protections afforded by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

To provide context, I recently discovered that my personal information was used without my consent to incur debts through fraudulent means. These unauthorized activities have not only caused significant financial harm but have also severely damaged my credit score, affecting my ability to secure loans, housing, and other essential services.

Under the new 2025 California laws, victims of financial scams and identity theft are entitled to specific protections, including the right to dispute and request the removal of fraudulent debts from their credit reports. Additionally, 15 U.S.C. 1692c ( c ) of the FDCPA prohibits debt collectors from engaging in harassing, abusive, or unfair practices, including the collection of debts that are not legitimately owed.

In light of these protections, I am requesting the following : 1. **Debt Forgiveness** : A complete review and forgiveness of the debts attributed to me that were incurred as a result of fraudulent activities. I have attached supporting documentation, including [ list any relevant documents, such as police reports, identity theft affidavits, or correspondence with financial institutions ].

2. **Credit Score Correction** : Immediate removal of any negative entries on my credit report related to these fraudulent debts. I request that your organization work with the major credit bureaus ( Equifax, XXXX, and XXXX ) to ensure these inaccuracies are corrected promptly. 

3. **Cease and Desist** : Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that all communication regarding these disputed debts cease immediately until the matter is resolved. 

I trust that your organization will handle this matter with the urgency and seriousness it deserves. Please confirm receipt of this letter and provide a written response outlining the steps you will take to address my requests within 30 days of receiving this correspondence. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. Should you require any additional information or documentation, please do not hesitate to contact me at [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX ]