Product: Debt collection

Complaint to CFPB AgainsXXXX XXXX XXXX XXXX ( XXXX ) and Major Credit Bureaus Subject : Urgent Complaint Paid Debt Reported to Collections Without Notification To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) and the XXXX major credit bureaus ( XXXX, Experian, and TransUnion ) for wrongfully reporting a fully paid debt as a collection account, failing to provide proper notification, and damaging my credit with false information, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX is reporting a collection account for {$390.00} related to a past-due balance with XXXX XXXX XXXX XXXX XXXX However, this balance was paid in full directly to XXXX XXXX XXXX XXXX before I was even aware that the account had been sent to collections. 

At no point did XXXX notify me that they were attempting to collect this debt, as required by law. I was never given an opportunity to verify or dispute the claim before it was added to my credit report. This is a clear violation of my consumer rights. 

Despite the fact that this debt was fully resolved before XXXX became involved, they have wrongfully reported it as a collection account, severely damaging my credit. 

Violations Committed by XXXX and Credit Bureaus : XXXX. XXXX XXXX XXXX ( XXXX ) : Reporting a debt that was already paid before they were involved, in violation of 15 U.S.C. 1692e ( False or Misleading Representations ). 
Failing to notify me before reporting the debt to the credit bureaus, violating 15 U.S.C. 1692g ( Validation of Debts ).

Illegally harming my creditworthiness by reporting a fully resolved account as an active collection. 
XXXX. XXXX, Experian, and TransUnion : Failing to ensure the accuracy of reported information, in violation of 15 U.S.C. 1681e ( b ) ( Requirement to Maintain Maximum Possible Accuracy ). 
Allowing a fully paid debt to be misrepresented as a negative collection account, misleading lenders and damaging my credit. 

Harm Caused to Me : Because of this wrongful and inaccurate reporting, my credit score has been unfairly damaged, affecting my ability to obtain credit and financial opportunities. This collection account should never have existed in the first place, and its presence on my credit report is entirely misleading. 

Resolution Demands : XXXX. XXXX must immediately remove this collection account from my credit report, as the debt was paid before they even attempted to collect it. 
XXXX. All three credit bureaus ( XXXX, Experian, and TransUnion ) must delete this collection account entirely from my credit file, as it was never a legitimate collection. 
XXXX. CFPB must investigate XXXX for their illegal failure to notify me before reporting the debt, as well as for their misrepresentation of a fully resolved account. 
XXXX. If this matter is not resolved promptly, I will consider taking legal action against XXXX and the credit bureaus for the financial harm caused by this fraudulent reporting. 

I demand an immediate resolution and expect confirmation that this collection account has been permanently removed from my credit report. Please treat this complaint as urgent. 

Sincerely,