Product: Debt collection

I'll update the letter to include the issue with XXXX and how they are allegedly violating your rights by repeatedly re-inserting the collection account on your consumer report. 

-- - XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Dispute of Collection Account - Violation of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) **To Whom It May Concern : ** I am writing to formally dispute a collection account that was recently added to my credit report between XX/XX/year>, and XX/XX/year>, by the collection agency XXXX XXXX XXXX The original creditor listed for this account is XXXX XXXX XXXX. I believe this collection account has been reported in violation of several pro

visions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). **Specific Violations : ** 1. **Unauthorized Access and Reporting ( 15 U.S.C. 1681b ) : ** Under FCRA, my consumer report can only be accessed for permissible purposes. This collection account does not have a permissible purpose, and I did not authorize the inclusion of this account on my credit report. 

2. **Communication Restrictions ( 15 U.S.C. 1692c ) : ** The FDCPA prohibits debt collectors from communicating with third parties about my debt without my consent. Any communication or reporting of this debt without my explicit consent is a violation.

3. **Prohibition Against Selling Disputed Debts ( 15 U.S.C. 1692e ) : ** It has come to my attention that the debt associated with this collection account has been sold to another debt collector. This practice is deceptive and violates the FDCPA, specifically 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation concerning the collection of a debt.

4. **Validation of Debt ( 15 U.S.C. 1692g ) : ** Under FDCPA, I have the right to request validation of this debt. I have not been provided with any such validation, and the debt has been sold, further complicating the matter. This lack of validation and subsequent sale is a direct violation of my rights.

5. **Reinvestigation of Disputed Information ( 15 U.S.C . 1681i ) : ** Under FCRA, if disputed information is reported to a credit reporting agency, the agency is required to conduct a reinvestigation. This collection account was added without proper investigation, and I demand a reinvestigation and removal of this account.

**Additional Violation by TransUnion : ** TransUnion has repeatedly reinserted this collection account into my credit report after its removal, which is a clear violation of FCRA. Under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **, a credit reporting agency can not reinsert previously deleted information without notifying the consumer and providing documentation that the information is accurate. This repeated re-insertion without proper notification or validation is unlawful and must be addressed immediately.

Given these clear violations of federal law, I request the immediate removal of this collection account from my credit report. I also request that any subsequent debt collector be informed of this dispute and that any further attempts to collect or report this debt be ceased.

Please provide me with written confirmation of the actions taken in response to this dispute within 30 days, as required by law.

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX-