Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Debt Collector ) Nature of the Complaint This complaint is being filed due to XXXX XXXX unlawful reporting of late payments and XXXX XXXX XXXX XXXX XXXX XXXX fraudulent and extortionate collection attempts. These actions violate multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Billing Act ( FCBA ), and the Federal Trade Commission ( FTC ) Act.

This is not an identity theft matter, but rather a case of XXXX XXXX gross inaccuracies in credit reporting and failure to comply with federal consumer protection laws. While I am filing an FTC complaint regarding these deceptive and unfair practices, XXXX XXXX Credit Reporting Department / Back Office must take into consideration that : The inaccuracies in my credit report must be addressed immediately. 
These violations are separate from identity theft and fall under XXXX XXXX legal duty to furnish accurate information under 15 U.S.C. 1681s-2 ( a ). 
XXXX XXXX must take accountability for their failure to report accurate and verifiable data. 
I demand a CFPB investigation into these violations and immediate corrective action to remove the inaccurate reporting and fraudulent collection account. 
XXXX. XXXX XXXX Unlawful Late Payment Reporting & Notice Violations I am disputing late payments that XXXX XXXX has reported on the following accounts : XXXX  XXXX accounts ( Opened : XX/XX/2015 ) Reported 30 days late despite never receiving the legally required notice before negative reporting. 
XXXX XXXXXXXX account ( Opened : XX/XX/2015 ) Reported 90 days delinquent, but with no prior 30-day or 60-day delinquency, which is mathematically and legally impossible and violates FCRA accuracy requirements. 
Violations Committed by XXXX XXXX Credit Reporting Department / Back Office XXXX. Failure to Provide Legally Required Notice Before Reporting Late Payments ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ), XXXX XXXX was required to notify me at least 30 days before furnishing negative information to the credit bureaus. 
XXXX XXXX must provide : Proof of when this notice was sent. 
A tracking number confirming delivery. 
A copy of the notice sent, ensuring it met legal requirements. 
If XXXX XXXX can not produce this evidence, then the late payments are invalid and must be removed immediately. 
B. Violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) XXXX XXXX must confirm that my billing statement was mailed before the due date of the disputed late payments. 
If I never received a statement before the payment due date, XXXX XXXX had no legal basis to charge a late paymentrendering the reported delinquencies fraudulent. 
C. Mathematically Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) It is mathematically impossible for an account to be reported 90 days delinquent without first being reported 30 or 60 days late. 
XXXXXXXX XXXX  reporting is inconsistent with basic credit reporting logic, meaning it has furnished false information to the credit bureaus in violation of FCRA. 

2. Resolution Demands to XXXX XXXX XXXX XXXX Credit Reporting Department and Back Office must take into consideration federal laws and recognize their lawful responsibility in this matter. This is not an identity theft claimthis is an issue of gross inaccuracies in reporting, which XXXX XXXX is legally required to correct. 
XXXX XXXX has two options for resolving this complaint : 1. IMMEDIATELY REMOVE ALL LATE PAYMENTS If XXXX  XXXX can not provide the required notice documentation, tracking, and proof of a valid billing statement, ALL late payments must be removed. 
2. IF LATE PAYMENTS REMAIN, REMOVE THE ENTIRE ACCOUNT If XXXX  XXXX refuses to remove the late payments, then the entire account must be permanently deleted from my credit report. 
The account better not be reinserted unless all late payments are first removed, per 15 U.S.C. 1681i ( a ) ( 5 ) ( re-insertion rules ).

Failure to comply with this demand will result in legal escalation, including CFPB enforcement actions, FTC complaints, and formal legal proceedings for damages. XXXX XXXX could be lawfully held accountable for these grave inaccuracies if it fails to correct this reporting issue. 


XXXX. Fraudulent Collection Attempt by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt without legal proof of assignment, in violation of the FDCPA and FTC Act.

Unlawful Debt Collection Practices : Failure to provide a proper chain of assignment.

The debt collector must provide : Proof of purchase agreement ( if they are a debt buyer ). 
A signed authorization contract ( if they are collecting on behalf of another entity ). 
Failure to validate the debt ( 15 U.S.C. 1692g ( b ) ) The FDCPA requires a collector to provide proof of a debts validity upon request.

Their failure to do so means they must immediately cease collection efforts. 
Legal Violations : If XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX can not prove ownership or legal authorization, then their collection attempt constitutes extortionate collection practices under 18 U.S.C. 894.

15 U.S.C. 1692e prohibits using deceptive or misleading representations in an attempt to collect a debt.

4. Resolution Demands to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To resolve this issue, I demand : Immediate removal of this fraudulent collection account from my credit report. 
Proof of ownership or legal collection authority. 
A cease-and-desist order prohibiting further collection attempts. 
Failure to comply will result in regulatory and legal escalation, including : CFPB enforcement actions. 
A formal FTC complaint for deceptive and unfair trade practices. 
Legal action for statutory damages under FDCPA. 

XXXX. Final Demands I demand IMMEDIATE RESOLUTION of these violations, including : Removal of all inaccurate late payments. 
Removal of XXXX XXXX accounts if they refuse to correct the reporting. 
Permanent deletion of the fraudulent collection account. 
Written confirmation that neither the late payments nor accounts will be reinserted. 
XXXX XXXX Credit Reporting Department and Back Office must recognize their responsibility to follow the lawthis is not an identity theft matter, but rather a case of grave inaccuracies and non-compliance with federal regulations. If XXXX XXXX does not properly investigate and correct these violations, they could be held lawfully accountable for willful noncompliance under 15 U.S.C. 1681n. 
If XXXX  XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX fail to comply, I will escalate this matter through legal and regulatory channels. 
I expect a response within 15 days of this complaint. 
Sincerely, XXXX XXXX