Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX IN Account # : XXXX Date Opened : XX/XX/year> I, XXXX XXXX, of XXXX, in XXXX XXXX, California, MAKE OATH AND SAY THAT : XXXX. The truth in the Lending Act is intended to inform consumers about the cost of credit. 

XXXX. Affiant is aware and has proof in attachment label Exhibit A that INVESTMENT CONCEPTS IN is in violation 15 U.S. Code 1681s-2 ( 1 ) ( A ) : Reporting Information with actual knowledge of error. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This violation happened XXXX times. 

XXXX. Affiant is aware and has proof in attachment label Exhibit A that INVESTMENT CONCEPTS IN is in violation 18 U.S. Code 35 ( a ) : Whoever imparts or conveys or causes to be imparted or conveyed false information, knowing the information to be false, concerning an attempt or alleged attempt being made or to be made, to do any act which would be a crime prohibited by this chapter or XXXX  XXXX or XXXX  XXXX of this title shall be subject to a civil penalty of not more than {$1000.00} which shall be recoverable in a civil action brought in the name of the United States. This violation happened XXXX times. 

XXXX. Affiant is aware and has proof in attachment label Exhibit " B '', C and D that INVESTMENT CONCEPTS IN is in violation 15 U.S. Code 1692b ( 2 ) : Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall- Not state that such consumer owes any debt. This violation happened XXXX times. 
XXXX. Affiant is aware and has proof in attachment label Exhibit B '', C and D that INVESTMENT CONCEPTS IN is in violation 15 U.S. Code 1692c ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This violation happened on XXXX different occasions. 
XXXX. Affiant is aware and has proof in attachment label Exhibit " B '', C and D that INVESTMENT CONCEPTS IN is in violation 15 U.S. Code 1692d ( 2 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. This violation happened XXXX times. 

I have enclosed copies of the documents that support my claims and highlight the instances of these violations. These documents include a copy of the letter regarding collecting debt. 
These violations were committed willfully, I may be entitled to statutory damages for each individual violation under the Fair credit Reporting Act ( FCRA ). The compensation for each violation is up to {$1000.00}. Given the nature of these violations, it is not unlikely that there are several more instances. I am considering seeking legal counsel to review every detail of my credit report to identify and address every violation appropriately.