Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the debt reported by XXXX XXXX XXXX on my credit report. The charges related to this debt are incorrect, and the actions taken by XXXX XXXX XXXX  and the original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX, violate several federal laws. Below are the specific issues and the relevant laws and codes being violated : **Violations Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681** XXXX*Furnishing Inaccurate Information : ** **15 U.S.C. 1681s-2 ( a ) ( 1 ) : ** ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX has reported inaccurate information on my credit report, despite my numerous disputes through CFPB, FTC, and directly XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing information known to be false constitutes a clear violation of this section. 

**Failure to Investigate Disputes : ** **15 U.S.C. 1681s-2 ( b ) : ** Duties of furnishers of information upon notice of dispute After notifying XXXX XXXX XXXX  of the dispute, they failed to investigate and correct or remove the inaccurate information. 

**Disputed Accuracy Procedure : ** **15 U.S.C. 1681i : ** Procedure in case of disputed accuracy I have the right to dispute inaccurate information, and credit reporting agencies and companies must correct or delete inaccurate, incomplete, or unverifiable information. 

**Violations Under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692** **False or Misleading Representations : ** **15 U.S.C. 1692e : ** False or misleading representations XXXX XXXX XXXX  has used false, deceptive, or misleading representations in connection with the collection of this debt. 

**Unfair Practices : ** **15 U.S.C. 1692f : ** Unfair practices The methods used by XXXX XXXX XXXX in attempting to collect this debt are unfair and unconscionable. 

**Validation of Debts : ** **15 U.S.C. 1692g : ** Validation of debts XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not provide proper validation of the debt upon my request, including an itemized cleaning bill and evidence concerning the occupancy of the apartment as of XX/XX/2024. 

**Violations Under the Fair Billing Act ( FBA ) - Part of the Truth in Lending Act ( TILA ) - 15 U.S.C. 1666** **Billing Error Resolution : ** **15 U.S.C. 1666 : ** Billing error resolution I have the right to dispute billing errors in writing, and creditors must acknowledge disputes and investigate within specified timeframes. This was not done XXXX XXXX XXXX XXXX XXXX 

**Specific Issues and Requests** **Illegal Reporting under FCRA : ** XXXX XXXX XXXX  has furnished information on my credit report despite it being prohibited under the FCRA. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

**Incorrect Debt Charges : ** The original creditor XXXX XXXX XXXX XXXX  XXXX XXXX has failed to provide an itemized cleaning bill and an explanation for the XX/XX/2024, rent charge, despite several requests over an extended period. 

**Request for Proof of Contact : ** I request that XXXX XXXX XXXX  provide proof of contact with other individuals associated with this account, demonstrating that efforts were made to address this matter with parties other than myself, and that this information has been placed on their credit reports as well. 

The failure to properly address disputes, verify debt, and accurately report information constitutes a clear violation of the FCRA, FDCPA, and TILA. Please treat this correspondence as a formal notice to remove the inaccurate collection account. Additionally, I request written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter.