Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau [ Submit online via : https : XXXX ] Subject : Complaint Regarding Inaccuracies on My Credit Report Dear CFPB, I am writing to file a formal complaint regarding inaccuracies on my credit reports that I believe stem from a data breach. These inaccuracies are negatively affecting my credit profile and were not properly addressed by the involved companies and credit reporting agencies. 

Summary of the Issue : 1. Accounts with Inaccuracies : XXXX XXXX Consumer Adjustment Company 2. Details : These accounts are either unfamiliar to me, reflect incorrect balances, or are the result of fraudulent activity following a data breach. Despite filing disputes with the credit reporting bureaus ( XXXX, Experian, XXXX ) and contacting the creditors directly, the errors have not been corrected. 
3. Actions Taken : I submitted disputes to the credit reporting agencies, providing evidence that these accounts are not accurate.

I contacted the creditors directly to resolve the matter, but they have not provided adequate responses.

I filed an identity theft report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov, providing details of the fraud and the associated impact.

4. Impact : These inaccuracies are damaging my creditworthiness, making it difficult to secure financial services and creating undue stress.

Relevant Consumer Protection Laws : 1. Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies and creditors are required to ensure the accuracy of reported information. They must investigate disputed items within 30 days and remove unverifiable or erroneous information.

2. Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors are obligated to validate debts upon request. Reporting fraudulent debts violates this law.

3. Identity Theft and Assumption Deterrence Act : This law protects victims of identity theft and mandates that companies take corrective action upon receiving evidence of identity theft.

4. FACTA ( Fair and Accurate Credit Transactions Act ) : Provides identity theft victims the right to place fraud alerts, obtain free credit reports, and request corrections to fraudulent activity.

5. Federal Trade Commission Act ( FTC Act ) : Prohibits deceptive and unfair practices in commerce. This includes failure by creditors or credit bureaus to address consumer disputes or correct fraudulent data after an identity theft report is filed.

Request for Assistance : I request the CFPBs assistance in ensuring the following : 1. The credit reporting agencies and creditors conduct thorough investigations into the inaccuracies.

2. All unverifiable or inaccurate information is removed from my credit report.

3. Confirmation of resolution is provided to me in writing.

Supporting Documentation : I have attached the following for your review : Copies of my credit reports with inaccuracies highlighted.

A copy of my FTC identity theft report.

Evidence of communications with creditors and credit bureaus ( e.g., dispute letters, responses, etc. ).

Thank you for your assistance in this matter. Please feel free to contact me at XXXX or XXXX if additional information or documentation is needed. 

Sincerely, XXXX XXXX