Product: Credit reporting or other personal consumer reports

I am writing regarding account XXXX and XXXX or any other accounts which you claim I owe. This is not a refusal to pay but a request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) I have reached out to no avail. 


Account Reporting : All three credit reports list XXXX XXXX XXXX as a collection account originally from XXXX XXXX XXXX  XXXX. with a balance of {$620.00}, opened on XX/XX/XXXX. However, the status of the account and the payment history show discrepancies in how the account is reported, specifically : Experian and XXXX : Both report this account as having a collection status and list various months with " C '' ( indicating collection ) in their payment history. 
XXXX : Lists the same account but indicates a past due balance and collection status, noting that the payment history includes " ND '' ( no data ) for some months ( XXXX ) ( XXXX ) ( Experian ). 
2. Payment History Errors In all reports, the payment history shows inconsistencies : Experian : The account history has multiple months marked as " C '' for collection, but the last update shows a lack of recent payment information ( XXXX ) ( Experian ). 
XXXX : Similar marks for collection with noted late payments, but it's unclear if these were accurately reflected with complete data ( XXXX ) ( XXXX ). 
XXXX : Reports include " C '' for several months but also " ND, '' suggesting gaps in the reporting which may indicate incomplete or unverifiable information ( Experian ) ( XXXX ). 
3. Dispute and Investigation History The reports indicate that this account has been disputed previously. The FCRA mandates that if an account is in dispute, the reporting agency must not report it as accurate until the dispute is resolved. Both Experian and XXXX note that the account has been disputed ( XXXX ) Under federal law, you are required to provide evidence to validate your claim that you have the legal right to collect this debt. Please note that I am not merely requesting verification of the amount of the alleged debt but demanding proof of ownership of the debt. Specifically, I am requesting : Chain of Assignment : Provide documentation showing the complete chain of assignment of this debt from the original creditor to XXXX XXXX, XXXX. This should include copies of any contracts, bills of sale, or agreements between each party that held ownership of the debt. 
Original Agreement with Original Creditor : Supply a copy of the original signed agreement or contract that establishes the alleged debt and its terms. 
Proof of Authorization to Collect : Provide evidence that XXXX XXXX, XXXX is authorized to collect this debt, including any agreements between XXXX XXXX, XXXX and any prior owner of the debt. 
Complete Accounting : While this is not a request for verification of amounts, I request a full and complete accounting of how the alleged debt was calculated, including all fees, interest, and charges added to the original balance. 
Failure to provide the requested documentation within 30 days will be taken as a confirmation that XXXX XXXX, XXXX can not substantiate its claim. In that case, I will expect that this debt is marked as disputed with all consumer reporting agencies, and any attempts to collect on this unvalidated debt cease immediately, as required under 15 U.S.C. 1692g ( c ).

Please be advised that continued collection efforts without providing the requested validation may constitute violations of the FDCPA, Fair Credit Reporting Act ( FCRA ), and other applicable state and federal laws I also want to formally complain regarding XXXX XXXX XXXX XXXX 's ( XXXX ) and Experian mishandling of disputes I submitted to them in XXXX and XX/XX/XXXX. Despite providing detailed documentation, XXXX verified the accuracy of disputed accounts ( including those from XXXX XXXX and XXXX XXXX XXXX ) within 1-2 days, a time frame that suggests no meaningful investigation occurred. 

XXXX 's and Experian s actions violate the Fair Credit Reporting Act ( FCRA ) and related statutes, as evidenced in the recent CFPB Consent Order ( File No. XXXX ) and the Assurance of Discontinuance with the New York Attorney General 's Office XXXX XXXX XXXX XXXX. Specifically, the following issues pertain to my dispute : Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ) : XXXX and Experian did not review or consider all relevant documentation I submitted. The consent order outlines XXXX 's systemic failures in dispute processing, including excessive reliance on furnishers and automated responses without additional verification. 
Failure to Assure Maximum Possible Accuracy ( FCRA 607 ( b ) ) : XXXX and Experian failed to maintain reasonable procedures to ensure accurate reporting. This was exacerbated by their flawed systems and reliance on inaccurate furnisher responses. 
Improper Notifications to Consumers ( FCRA 611 ( a ) ( 6 ) ) : My results letter contained ambiguous and contradictory statements, such as " verified as accurate '' and " no change made, '' without clarifying how the reinvestigation was conducted. 
Unfair Acts and Practices ( CFPA, 12 U.S.C. 5531, 5536 ) : XXXX 's and Experian a reliance on flawed systems, failure to adequately inform consumers of dispute results, and reinsertion of deleted or corrected information further exacerbated my situation, causing unnecessary distress. 
The violations I experienced align with systemic issues documented in the CFPB Consent Order and NYAG Assurance of Discontinuance. These documents detail XXXX 's persistent failure to comply with federal and state laws, resulting in widespread consumer harm. 

Request for Relief I respectfully request the CFPB to : Investigate XXXX 's and Experian handling of my disputes to determine compliance with FCRA and CFPA requirements. 
Impose appropriate penalties and injunctive relief to prevent further violations. 
Require XXXX and Experian to provide a detailed explanation of their dispute verification process and DELETE the inaccuracies in my credit report Ensure compensation for damages caused by their negligent handling of my disputes.