Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX and LVNV Funding LLC for FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and LVNV Funding LLC for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my valid disputes, XXXX has failed to conduct a proper investigation, and LVNV Funding LLC has not provided the necessary debt validation as required under federal law. 
Unauthorized Reporting & Identity Theft ( FCRA 1681 ) XXXX and LVNV Funding LLC have reported a collection account on my credit file without my consent and without permissible purpose under FCRA 1681b. Because I did not authorize this debt to be reported, this qualifies as identity theft under FCRA 1681c-2, requiring its immediate removal.

Furthermore, FCRA 1681a states that consumer reports should not contain financial transactions or experiences that have not been expressly authorized. Since I never consented to this account being reported, it must be removed immediately.

LVNV Funding LLCs Failure to Validate the Debt ( FDCPA 1692g ) I previously disputed the LVNV Funding LLC account associated with XXXX XXXX XXXX XXXX. Below are the account details : Debt Collector : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Status : Collection account, past due as of XX/XX/XXXX Under FDCPA 1692g, LVNV Funding LLC was required to provide proper debt validation within 30 days of my request. This includes : A signed contract proving I agreed to this debt. 
A full accounting of how the balance was calculated. 
Documentation proving they have legal authority to collect this debt. 
LVNV Funding LLC has failed to meet these requirements, making the account unverifiable and invalid under federal law. 
XXXX Failure to Conduct a Proper Investigation ( FCRA 1681i ) XXXX is required under FCRA 1681i to conduct an independent and thorough investigation rather than relying solely on information provided by the debt collector. Proper verification must include : Third-party verification through an independent source A review of original signed contracts Personal interviews and supporting documentation Since XXXX has failed to provide any proof that such an investigation took place, they are in direct violation of FCRA 1681i and must remove this account immediately.

Violation of Accuracy Requirements ( FCRA 1681e ( b ) ) The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information they report. If XXXX and LVNV Funding LLC can not verify the accuracy of this collection, they are in violation of FCRA 1681e ( b ). 
Keeping an unverified collection account on my credit report creates financial hardship, damages my credit score, and negatively impacts my ability to access credit. I do not consent to LVNV Funding LLC or XXXX reporting this account. 
The CFPBs Role in Enforcing Fair Credit Practices Congress has established that consumer reporting agencies have a grave responsibility to ensure fair and accurate reporting. By failing to investigate properly, XXXX and LVNV Funding LLC are neglecting their responsibility under federal law. 
Additionally, they do not have my consent to process my disputes through automated systems like XXXX, which violates FCRA 1681i. XXXX fails to meet the investigation requirements set forth by the FCRA.

What I Am Demanding I request that the CFPB take the following corrective actions : 1. Order XXXX to delete this collection account immediately due to failure to verify it properly. 
2. Order LVNV Funding LLC to cease all collection attempts and remove the account due to lack of validation.

3. Hold XXXX and LVNV Funding LLC accountable for failing to comply with federal law and impose financial penalties.

4. Provide written confirmation that this account has been permanently removed from my credit file. 
If this matter is not resolved in a timely manner, I am prepared to escalate my legal actions, including filing a lawsuit under FCRA 1681n, which allows me to seek {$1000.00} per violation in damages. 
Please confirm receipt of this complaint and provide an update on the next steps in the investigation. I expect a timely and full resolution of this issue. 
Sincerely, XXXX XXXX