Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to your correspondence regarding the alleged debt associated with XXXX XXXX XXXX. Your response was inadequate and failed to provide the necessary validation as required by federal law. I dispute this debt and the accuracy of the reporting on my credit report based on the following legal grounds : 1. Violation of 15 U.S.C. 1692g Debt Validation Requirements Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), a debt collector must provide : A clear and complete validation of the debt, including a breakdown of the amount owed ( principal, interest, fees ).

Evidence that you have the legal authority to collect this debt on behalf of the original creditor.

Verification of my signature and documentation that clearly demonstrates my consent to this debt.

Your response did not include : A copy of the original contract or agreement containing my signature. 

Proof that XXXX XXXX XXXX or XXXX XXXX XXXX is legally authorized to collect this debt. 

2. Violation of 15 U.S.C. 1692e False or Misleading Representations Under 15 U.S.C. 1692e, it is unlawful for a debt collector to use false, deceptive, or misleading representations to collect a debt. Your failure to provide proper documentation or evidence of the debt raises serious concerns about the legitimacy of this collection activity.

3. Violation of 15 U.S.C. 1681s-2 Reporting Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information ( i.e., a debt collector or creditor ) is required to report accurate information. By reporting this alleged debt without sufficient validation, you are in violation of the FCRA.

4. Failure to Provide Proper Validation as Required by Law Under 15 U.S.C. 1692g ( c ), if a consumer disputes a debt, the collector must cease collection until sufficient validation is provided. You have not provided : A detailed itemization of the debt, including dates of service and services provided.

Documentation that shows how the balance was calculated.

Proof of your legal authority to collect this debt.

Demand for Immediate Action Cease All Collection Activities Under 15 U.S.C. 1692g ( b ), you are required to immediately cease all collection efforts until proper validation is provided.

Provide Complete Documentation, including : A copy of the original agreement showing my signature and consent to this debt.

A detailed itemization of the debt amount, including all fees and interest.

Proof of your legal authority to collect this debt.

Immediate Deletion of This Account from My Credit Report If you can not provide proper validation, this account must be removed from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violation of my consumer rights.

Pursue legal action for willful non-compliance under 15 U.S.C. 1692k and 15 U.S.C. 1681n, seeking damages for unauthorized credit reporting and collection activities.