Product: Debt collection

**Your Name : ** XXXX XXXX XXXX : ** XXXX XXXX XXXX XXXX **City, State, ZIP : ** XXXXXXXX XXXX XXXXXXXX **Email XXXX ** XXXX **Phone Number : ** XXXX **Date : ** XX/XX/year> **Subject : ** Urgent Formal Complaint Against CREDIT COLLECTION SERV ( Account Number : XXXX ) -- - **To Whom It May Concern, ** I am writing to bring to your immediate attention a serious matter concerning the inaccurate and potentially unlawful reporting of an account by CREDIT COLLECTION SERV on my credit report. This issue has caused significant distress and potential harm to my financial standing. Despite my best efforts to resolve this matter directly, the situation remains unresolved, prompting me to seek your intervention. 

**Account Details : ** - **Balance : ** {$XXXX} - **Original Balance : ** {$XXXX} - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Account Type : ** Collection - **Status : ** Collection account, {$XXXX} past due as of XX/XX/year> - **Status Updated : ** XX/XX/year> - **Payment Summary : ** Collection status as of XX/XX/year> **Violations of Federal Laws ( USC Codes ) : ** 1. **15 USC 1692c - Communication in Connection with Debt Collection : ** CREDIT COLLECTION SERV has repeatedly contacted me in ways that violate the protections afforded to consumers under this statute, including contacting me at inappropriate times and through unauthorized channels. 

2. **15 USC 1666b - Prompt Crediting of Payments : ** Payments associated with this account have not been credited in a timely manner, violating this statute, leading to erroneous reporting and unjust financial consequences.

3. **15 USC 1681b - Permissible Purposes of Consumer Reports : ** CREDIT COLLECTION SERV may have accessed my credit report without a legitimate, permissible purpose, violating the guidelines of this statute.

4. **15 USC 1605 - Determination of Finance Charge : ** The finance charges applied to this account may not have been calculated in accordance with the law, in violation of this section of the USC .

5. **15 USC 1681s-2 ( a ) - Responsibilities of Furnishers of Information : ** This statute requires furnishers of information to consumer reporting agencies to ensure the accuracy and integrity of the information they report. The reporting by CREDIT COLLECTION SERV appears to violate this responsibility.

6. **15 USC 1692e - False or Misleading Representations : ** This section prohibits debt collectors from using any false, deceptive, or misleading representations. The reporting of this account by CREDIT COLLECTION SERV may involve such misrepresentation.

7. **15 USC 1692g ( b ) - Disputed Debts : ** Under this section, if a debt is disputed by the consumer, the debt collector must cease collection until the debt is verified. I have not received sufficient verification of this debt, and the continued reporting of this account violates this statute.

8. **15 USC 1681e ( b ) - Compliance Procedures : ** This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The presence of this disputed account on my report indicates a failure to adhere to these procedures.

Given the numerous potential violations of federal law, I respectfully request that the CFPB conduct a thorough investigation into this matter. I am seeking the immediate removal of this erroneous account from my credit report and a review of the practices employed by CREDIT COLLECTION SERV to prevent future violations.

This issue is of utmost importance to me, and I trust that the CFPB will take swift and decisive action to rectify this situation. Please keep me informed of the progress and outcome of your investigation.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX