Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and the credit reporting agencies regarding their handling of an alleged debt, and potential violations of consumer protection laws. 

I have been fighting this matter for several months prior to this escalation, but on XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX, disputing the alleged debt and requesting detailed validation as required by the Fair Debt Collection Practices Act ( FDCPA ). XXXX responded on XX/XX/XXXX, but failed to adequately address all my concerns and provide complete validation as required by law. 

Key issues and potential violations include : Conflicting Account Status : My credit report shows the XXXX XXXX XXXX XXXX account as closed and paid with a {$0.00} balance as of XX/XX/XXXX. However, XXXX XXXX XXXX is reporting the same account number as an open collection with a balance of {$15000.00}. This discrepancy raises serious questions about the validity of XXXX 's claim. The account is paid, per the original creditor, so XXXX has no claim to collect an alleged debt, nor to erroneously report this on my credit, damaging my reputation, and limiting my ability to access financial gain. 

Incomplete Debt Validation : XXXX did not fully address all points raised in my validation request, particularly regarding discrepancies in reporting across credit bureaus. 

Inconsistent Balance Information : XXXX 's initial validation notice stated a debt amount of {$15000.00}, while their follow-up response showed {$15000.00}. 

Failure to Address Credit Reporting Discrepancies : XXXX did not explain the inconsistencies in reported dates and account status across credit bureaus, as requested in my validation letter. 

Potential Fair Credit Reporting Act ( FCRA ) Violations : Inaccurate reporting of account status ( open vs. closed ) Failure to report the account as disputed to all credit bureaus ( only Equifax shows it as disputed ) Inconsistent reporting of the " Date of Last Activity '' across bureaus Potential Fair Debt Collection Practices Act ( FDCPA ) Violations : Failure to provide complete validation of the debt as requested Attempting to collect a debt that may have been paid and closed Time-Barred Debt : XXXX acknowledged they can not sue me for this debt due to its age, yet they continue to report it as an open collection. 

Chain of Ownership : XXXX did not provide a complete chain of ownership documentation from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. 

These discrepancies and potential violations raise serious questions about the validity of XXXX 's claim and their compliance with federal consumer protection laws. The conflicting information between XXXX XXXX XXXX XXXX 's reporting and XXXX 's collection efforts is particularly concerning. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX and XXXX XXXX XXXX comply with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for their failure to adequately respond to my validation request and potential violations of the FDCPA and FCRA. 

Thank you for your attention to this matter.