Product: Debt collection

To Whom It XXXX Concern, This letter serves as a formal Notice of Dispute ( NOD ) regarding inaccurate, incomplete, and unsubstantiated reporting of certain accounts on my consumer credit reports issued by [ XXXX ] XXXX These discrepancies are in direct violation of XXXX XXXX. XXXX, the Fair Credit Reporting Act ( FCRA ), including sections XXXX, XXXX, XXXX, as well as XXXX XXXX and relevant case law protecting victims of XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Report : Balance - {$3500.00} ; On Record Until XX/XX/XXXX. 

XXXX Report : XXXX- {$3500.00} ; On Record Until XX/XX/XXXX. 

ProCollect Inc Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Report : Balance - {$7000.00} ; On Record Until XX/XX/XXXX. 

XXXX Report : Not Reported. 

Discrepancies : This account does not appear on my XXXX report, which reflects an incomplete and inaccurate reporting under XXXX XXXX. XXXX ( b ). 

As a victim of XXXX XXXX, this debt is directly associated with coercive and involuntary circumstances. Reporting this account violates XXXX XXXX. XXXX and protections outlined under XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : Debt XXXX can not legally furnish accounts that arise from XXXX XXXX. Case law supports this position, such aXXXX XXXX XXXX XXXX XXXX XXXXXXXX and CFPB guidance, which emphasize that debts incurred through exploitation are illegitimate and unenforceable. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Debt XXXX must comply with all requirements when attempting to collect debts, including verification. 

XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to validate debts upon request violates the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA and FDCPA Violations In addition to the above, I demand compliance under : XXXX U.S.C. XXXX ( c ) : I hereby invoke my right to a Cease and Desist for all forms of communication regarding the alleged debts. This includes calls, emails, letters, or any other form of harassment as it disrupts my ability to operate my full-time business. 

XXXX XXXX. XXXX : Debt XXXX must provide proper validation of the alleged debt. To date, no legal tender, contracts, or verifiable proof of the debts have been provided, thereby rendering these accounts unverifiable and unenforceable. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) : Debt XXXX can not claim a valid debt without furnishing adequate proof. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Attempting to collect on unverifiable debts violates the FDCPA and subjects XXXX to liability. 

Legal Remedies Failure to comply with the above will result in further legal action, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursuing civil litigation for damages under XXXX XXXX. XXXX and XXXX, which allow for statutory and punitive damages. 

Reporting violations to the Federal Trade Commission ( FTC ) and relevant state agencies. 

Conclusion Under federal law, you are required to maintain the highest degree of accuracy when reporting information. As a victim of XXXX XXXX, I am entitled to protections under the FCRA, Title 18, and relevant case law. I demand immediate correction and removal of these accounts to prevent further harm. 

Please respond to this notice within 30 days of receipt, as required under federal law. Failure to do so will result in escalation.