Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Consumer Complaint Division XXXX XXXX XXXXXXXX XXXX, IA XXXX Subject : Formal Complaint Against [ Debt Collection Agency Name ] for FDCPA and FCRA Violations and Failure to Resolve Dispute To Whom It May Concern, I am filing this formal complaint against ( Credence Resource Management ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 16921692p ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). Despite multiple attempts to resolve this matter directly with the collection agency, they have failed to provide a proper resolution. Their continued attempts to collect an unverified debt and report it to credit bureaus have negatively impacted my credit score. 

Attempts to Resolve the Issue In 2024, I contacted ( Credence Resource Management ) to request validation of the debt they are attempting to collect, which they claim originated from XXXX XXXX XXXX. I formally requested proof of their legal right to collect, including a copy of the original contract and any documentation proving their ownership or assignment of the debt. Despite my good-faith efforts, they have refused or failed to provide the required documentation and continue their collection attempts, damaging my credit profile in the process. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) 1. 15 U.S.C. 1692e False or Misleading Representations The agency has continued collection attempts without proving their right to collect the debt, which constitutes a deceptive practice under the FDCPA. 
2. 15 U.S.C. 1692f Unfair and Unconscionable Practices Attempting to collect a debt without providing proper documentation and ignoring my requests for validation is an unfair practice. 
3. 15 U.S.C. 1692g Validation of Debts Under this statute, I am entitled to request validation of the debt, and the agency is required to cease collection efforts until they provide it. They have failed to comply with this requirement. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. 15 U.S.C. 1681s-2 Reporting Inaccurate Information to Credit Bureaus The collection agency has reported this debt to credit bureaus without verifying its accuracy, despite my dispute, which may violate this provision. 
2. 15 U.S.C. 1681i Failure to Investigate a Disputed Debt I have formally disputed this debt, yet the agency and credit bureaus have not provided any evidence of a proper investigation, which is required under this section. 

Impact on My Credit and Requested Action The continued reporting of this unverifiable debt has caused significant harm to my credit score, limiting my ability to secure financial opportunities. Because [ Credence Resource Management ] has failed to resolve this matter after multiple attempts on my part, I am requesting immediate intervention from the CFPB. 

I formally request the following actions : 1. A full investigation into [ Credence Resource Management ] for their failure to validate this debt and continued attempts to collect. 
2. Verification of the debt, including proof of their right to collect and a copy of the original agreement with XXXX XXXX XXXX. 
3. Immediate removal of any unverifiable or inaccurate debt from my credit report. 
4. A formal response from the collection agency acknowledging their failure to resolve my dispute and ceasing further collection attempts until they provide proper validation. 

If this issue is not resolved promptly, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal remedies. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX