Product: Credit reporting or other personal consumer reports

Account XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Debt Buyer : XXXX XXXX XXXX Account Type : Collection Account To Whom It XXXX Concern, I am filing this formal dispute regarding the collection account reported by XXXX XXXX XXXX on my credit report, originally from XXXX XXXXXXXX XXXX XXXX. Despite my repeated efforts to dispute this matter, this account continues to be marked as verified on my credit report, despite clear violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account is not only inaccurate but also violates multiple federal regulations regarding debt collection, account reporting, and consumer rights. 

Dispute Details : Account Status : Collection account listed as past due, but I have received no clear evidence or documentation supporting the validity of the debt or its transfer to XXXX XXXX XXXX. 
XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX. 
Debt Buyer : XXXX XXXX XXXX Account Number : [ Account Number ] Reported Balance : {$680.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Collection account marked C ( Charged Off ) and listed as past due. 
Legal Violations & Inaccuracies : FCRA Violation - Section 1681i ( Reinvestigation of Disputed Information ) : I have disputed this account multiple times with the credit bureaus, but it has repeatedly been verified without a reasonable reinvestigation. According to Section 1681i of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation when a dispute is filed. I have not received any proof of the account 's validity, nor has XXXX XXXX XXXX or any of the credit bureaus provided adequate verification. 
The absence of documentation confirming the debts ownership or the legitimacy of the collection account suggests that the credit bureaus are failing to meet their legal obligations under FCRA Section 1681i.

FDCPA Violation - Failure to Notify of Debt Sale and Unlawful Collection Practices : Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to written notice when a debt is transferred or sold to a third-party debt collector like XXXX XXXX XXXX XXXX I did not receive this notice within the required five days of the first collection attempt. This is a direct violation of my rights under the FDCPA and should result in the removal of this collection account from my credit report. 
Moreover, the failure to provide evidence of the debts legitimacy means that XXXX XXXX XXXX is engaging in unlawful collection practices, further violating the FDCPA and the FCRA. 
FCRA Violation - Section 1681s-2 ( b ) ( Duties of Furnishers of Information ) : According to Section 1681s-2 ( b ) of the FCRA, debt buyers like XXXX XXXX XXXX are required to investigate disputes and provide proper documentation regarding the debt in question. I have requested such documentation during the dispute process, and it has not been provided. The lack of verification of the accounts accuracy or evidence that it was lawfully transferred to XXXX XXXX XXXX demonstrates noncompliance with FCRA Section 1681s-2 ( b ). 
Inaccuracy of Account Information : No Clear Documentation of Debt Transfer : The account shows up as a collection account, yet I was not provided with clear evidence that XXXX XXXX XXXX is the rightful owner of the debt. The lack of verification or even confirmation that the debt was validly transferred to them further implies inaccurate reporting of the information under FCRA. 
Account Balance Reporting : The balance reported ( {$680.00} ) may not be accurate, and no breakdown of this amount has been provided to me. Its unclear whether interest, fees, or other charges are being applied unlawfully, making the reported balance potentially misleading or inflated.

Potential Misapplication of Reporting Dates ( FCRA Section 1681c ) : The account is still being reported, and there are no details provided about the date of first delinquency or whether the collection was appropriately filed. According to FCRA Section 1681c, if the collection account is not based on the correct date of first delinquency, this could result in improper reporting that extends the account 's presence on my credit report beyond the legally permissible time.