Product: Credit reporting or other personal consumer reports

Dear BRIDGECREST, XXXX I am writing to express my profound frustration and disappointment with your blatant disregard for your legal obligations and my rights as a consumer. Despite multiple communications, your company has failed to address several critical issues, including the failure to file Form 1099-C for a charge-off account, and multiple violations of federal laws. This letter serves as a formal complaint and a demand for immediate corrective action.

**1. Failure to File Form 1099-C : ** It has come to my attention that your company has not filed Form 1099-C with the IRS for the charge-off account associated with my name. This neglect is not only a dereliction of duty but also a violation of federal tax regulations. Such irresponsibility has severe implications for my financial records and tax obligations.

**2. Violations of 15 U.S. Code 1681o : ** Your actions constitute a clear violation of 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). Your failure to ensure the accuracy and integrity of the information reported to credit bureaus has caused substantial harm to my creditworthiness and financial standing.

**3. Violations of 15 U.S. Code 1611 : ** Further, your company has breached 15 U.S. Code 1611, which prescribes criminal liability for willful and knowing noncompliance with the Truth in Lending Act ( TILA ). Your failure to provide accurate and complete disclosures is not only deceptive but also illegal, undermining the trust and transparency required in financial transactions.

**4. Violations of 15 U.S. Code 1681e ( b ) : ** Your company has also violated 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate reporting on my credit file due to your negligence has resulted in significant distress and financial damage.

**5. Violation of Cease and Desist Order : ** Despite my explicit instruction to cease and desist all communications regarding this matter, your company has continued to contact me. This disregard for my legal right to privacy and peace is unacceptable and constitutes a further violation of consumer protection laws.

Given the gravity of these violations, I am prepared to seek the maximum allowable damages through arbitration. To avoid this escalation, I demand the following actions within 10 business days : 1. Immediate removal of the charge-off account in question.

2. Written confirmation that your company will comply with the cease and desist order and cease all further communication regarding this matter.

3. Compensation for damages incurred as a result of your negligence and non-compliance with federal laws. {$1000.00} per violation.

Failure to comply with these demands will result in the immediate initiation of arbitration proceedings, where I will pursue all available remedies to the fullest extent. This includes seeking compensation for damages, legal fees, and any other relief deemed appropriate by the arbitrator. 

I urge you to take this notice seriously and address these issues promptly to avoid further legal action. I expect your immediate attention and resolution.