Product: Credit reporting or other personal consumer reports

See the attached pdf " signed '' Letters for details of what happened. Here is the content of the signed copy in the pdf. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collection Accounts per 15 U.S.C. 1692c ( c ) Dear CFPB Representative, I am writing to formally dispute the accuracy of the following collection account listed on my credit report. These account is reported by the following collection agency : XXXX. Oliphant XXXX XXXX XXXX XXXX Account Number : XXXX o Address : XXXX, FL XXXX o Phone : ( XXXX ) XXXX Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to dispute these accounts and to request that these collection agencies immediately cease communication and reporting of these accounts as derogatory or negative information to credit reporting agencies.

I contend that the information being reported is inaccurate, unverifiable, or incomplete. Furthermore, as required by the FDCPA, any further reporting or collection activities must cease unless the accounts can be properly validated with full and complete documentation demonstrating their validity. 
As the CFPB is responsible for protecting consumers ' rights under federal law, I kindly request your assistance in investigating and ensuring these agencies provide proper validation of the disputed accounts. If they fail to do so, I ask that the derogatory reporting be removed from my credit report in compliance with the law. 
Please keep me updated on the status of this dispute. If you require any additional information or documentation, feel free to contact me directly at XXXX or XXXX. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to ensure compliance with federal laws and protect my rights as a consumer. 
Sincerely, XXXX XXXX # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collection Accounts per 15 U.S.C. 1692c ( c ) Dear CFPB Representative, I am writing to formally dispute the accuracy of the following collection account listed on my credit report. These account is reported by the following collection agency : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX o Phone : ( XXXX ) XXXX Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to dispute these accounts and to request that these collection agencies immediately cease communication and reporting of these accounts as derogatory or negative information to credit reporting agencies.

I contend that the information being reported is inaccurate, unverifiable, or incomplete. Furthermore, as required by the FDCPA, any further reporting or collection activities must cease unless the accounts can be properly validated with full and complete documentation demonstrating their validity. 
As the CFPB is responsible for protecting consumers ' rights under federal law, I kindly request your assistance in investigating and ensuring these agencies provide proper validation of the disputed accounts. If they fail to do so, I ask that the derogatory reporting be removed from my credit report in compliance with the law. 
Please keep me updated on the status of this dispute. If you require any additional information or documentation, feel free to contact me directly at XXXX or XXXX. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to ensure compliance with federal laws and protect my rights as a consumer. 
Sincerely, XXXX XXXX