Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX FTC ), Consumer Financial Protection Bureau XXXX CFPB ) Subject : Formal Complaint : Deceptive Practices, FCRA Violations, Unlawful Debt Collection, and Reinsertion of Inaccurate Information Dear Representatives, This letter serves as a formal complaint regarding the deceptive practices, systemic violations of the Fair Credit Reporting Act ( FCRA ), and unlawful debt collection activities committed by your companies. Your actionsincluding misrepresentation of accounts, failure to verify debts, and deceptive credit reportingare in direct violation of federal laws and have caused significant harm to my financial profile and well-being. 

XXXX. Demand for Full Removal of All Inaccurate and Unverified Accounts This letter serves as a direct notice under 15 U.S.C. 1681s-2 that ALL the accounts listed in this dispute must be fully deleted from my credit reports due to their incomplete, inaccurate, and unverifiable nature.

Furthermore, under 15 U.S.C. 1681a ( 2 ) and 1681i ( a ) ( 5 ) ( A ), furnishers and consumer reporting agencies can not legally reinstate any account unless they certify its accuracy and provide proper notice. Since none of these accounts have been properly verified with original contracts or legally binding proof of debt ownership, they must not be reinserted into my credit profile after removal.

If any of these accounts are reinserted in violation of 1681a ( 5 ) ( B ), I will pursue full statutory damages, legal penalties, and federal enforcement actions for noncompliance. 

XXXX. Misrepresentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Accounts : XXXX, XXXX These accounts were never traditional auto loans but instead originated as credit sales or retail installment agreements between a buyer and a seller. 
Neither entity provided any direct loan or financing, making their classification as auto loans false and misleadinga direct violation of 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate information. 
These accounts were reported as charged off with outstanding balances, despite 1099-C debt cancellation. Per IRS and legal guidelines, once a debt is canceled via 1099-C, it ceases to be legally enforceable and must not be reported as an active balance. 
These actions may also violate 18 U.S.C. 894 ( XXXX by XXXX XXXX ) by misrepresenting the accounts in a way that pressures consumers into payments they no longer owe. 

XXXX. Unlawful Debt Collection and Deceptive Reporting The following accounts were furnished to credit bureaus despite lack of proper verification and failure to prove legal ownership of the alleged debts : XXXX XXXX XXXX ( XXXX ) ** XXXX XXXX ( XXXX ) ** XXXX XXXX XXXX ( XXXX ) ** XXXX XXXX XXXX ( XXXX ) ** Violations : Failure to Verify Debt under 15 U.S.C. 1692g ( b ) ( FDCPA ) No original signed contracts have been provided. 
No verifiable assignment of debt proving legal authority to collect has been furnished. 
Misleading Practices Regarding Debt Ownership These entities avoid acknowledging the true ownership status of these debts, likely because they have been securitized, sold, or transferred without proper consumer disclosure. 
This deceptive reporting violates 15 U.S.C. 1681s-2 ( a ) and contributes to unfair collection practices. 
XXXX XXXX XXXX 18 U.S.C. 894 Attempting to collect debts already discharged or legally unenforceable constitutes a violation of federal law. 
Any attempt to pressure, threaten, or damage my credit profile using inaccurate or misleading information is unlawful. 

XXXX. False Reporting by XXXX XXXX XXXX ( Account : XXXX ) ** This account contains inaccurate delinquency data, including a false XXXX late payment on an account that was actually paid in full. 
Another reported delinquency falsely claims a late payment within 180 days, contradicting its actual payment history. 
Under 15 U.S.C. 1681s-2 ( b ), furnishers must correct and update all inaccuracies. 

XXXX. Systemic Violations & Legal Precedent The CFPBs recent lawsuits against Experian ( Case No. XXXX ) and Equifax ( XXXX XXXX XXXX XXXX ) show that these reporting violations align with industry-wide illegal credit reporting and collection tactics. 
Experian was found guilty of fabricating dispute results and failing to properly reinvestigate accounts. 
Equifax was penalized for excessive reliance on furnishers inaccurate data, which mirrors the same actions taken by your companies. 

XXXX. Legal Consequences for Noncompliance Failure to take immediate corrective action will result in the following : Formal complaints to the FTC, CFPB, and State Attorney General Legal action for FCRA and FDCPA violations, seeking statutory damages of {$1000.00} per violation plus punitive damages and legal fees Potential criminal complaints for extortionate collection under 18 U.S.C. 894 7. Required Actions XXXX Deadline To resolve this matter, I demand that you : XXXX. IMMEDIATELY DELETE ALL DISPUTED ACCOUNTS from my credit profile, as they are inaccurate, unverifiable, and improperly reported. 
XXXX. CEASE ALL COLLECTION ACTIVITY on the accounts listed in this letter. 
XXXX. CONFIRM IN WRITING that these accounts will not be reinserted into my credit reports unless you fully comply with 15 U.S.C. 1681a ( 5 ) ( B ), including certifying accuracy and providing legal documentation. 

Failure to comply within XXXX days will result in escalation to federal regulators Sincerely, XXXX XXXX