Product: Credit reporting or other personal consumer reports

Date : XX/XX/2025 Dear XXXX XXXX XXXX I am writing to formally dispute the collection account listed under my name with the account number referenced above. The account appears on my credit report as a collection account with a reported balance of {$460.00}. According to my records, this account was opened with XXXX XXXX XXXX, and the current status is shown as Collection/Chargeoff. However, I believe there are inaccuracies or violations related to this account that need to be addressed. 

My Dispute Concerns : 1. Inaccurate Reporting : I believe the reported balance and other details are incorrect. I request that you provide documentation to substantiate the amount claimed and the nature of the debt. 


2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA ( 15 U.S.C. XXXX ), debt collectors are prohibited from engaging in unfair practices. This includes, but is not limited to, misrepresentation of the amount or status of a debt, and contacting third parties without my consent. If these actions have been violated, I request that you cease all further communication with third parties and provide evidence that all actions taken were in compliance with the law. 


3. Inadequate Validation of Debt : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ), I am entitled to request verification of any debt being reported. To date, I have not received a proper debt validation notice from you. I request that you provide proof of the debt, including any original agreements or statements from XXXX XXXX XXXXXXXX, showing that I am liable for this amount. 


4. Failure to Comply with State Laws : I am also aware of my rights under state debt collection laws, which may vary depending on my state of residence. These laws typically require that a debt collector provide adequate notice of a debt and adhere to specific procedures. If you have not complied with these requirements, I request that you immediately cease any collection activities until such compliance is demonstrated. 



Requested Action : I request that you : Immediately cease any collection efforts until you provide appropriate documentation and verification of the debt. 

Remove any inaccurate information related to this account from my credit report. 

Provide detailed information related to this debt as required by law. 

Cease all communications with any third parties about this debt unless and until it is validated. 


If you do not provide the necessary documentation or if this debt is not validated within 30 days of receipt of this letter, I will consider this matter resolved, and will take the appropriate steps to ensure that this account is removed from my credit report. Additionally, I will not hesitate to report any violations of the FDCPA or FCRA to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Laws Relevant to This Dispute : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX et seq. ) Prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts. 

Requires debt collectors to provide written verification of the debt within five days of their initial contact. 


Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX et seq. ) Requires accurate reporting of debts and allows consumers to dispute inaccurate information on their credit report. 

Mandates that debt collectors must provide verification of a disputed debt if requested. 


State Debt Collection Laws : [ Refer to your specific states regulations on debt collection practices and procedures. ] Please consider this letter as a formal request for validation of the debt and a formal dispute of the chargeoff entry. I look forward to your prompt response.