Product: Credit reporting or other personal consumer reports

United States of America Consumer Financial Protection Bureau XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Washington XXXX District of Columbia XXXX XXXX Subject XXXX Formal Complaint XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Dear XXXX, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their recent unsolicited debt collection communication. I believe their actions have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), and related regulations. The attached document, dated XXXX XXXX, 2024, including Exhibit XXXX dated XXXX XXXX, 2024, is pertinent to this matter. 

Key Issues and Takeaways : XXXX. Unsolicited Debt Collection : I received an unsolicited debt collection communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, claiming I owe a debt to them. However, I have no prior knowledge or business dealings with either company. 

XXXX. Demand for Validation and Verification : Despite my request for strict proof and validation of the alleged debt, neither company has provided the necessary documentation to substantiate their claims. It is crucial for consumers to know their rights to request validation and verification of any alleged debt under the FDCPA. 

XXXX. Unauthorized Credit Report Inquiries : Both companies have made unauthorized inquiries into my credit reports without my consent, violating the FCRA. Consumers should regularly check their credit reports for unauthorized inquiries and dispute them promptly. 

XXXX. Misleading and Confusing Information : The information provided by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX appears to be flawed or confused with another individuals records. Consumers must be vigilant in identifying and disputing any discrepancies in communications from debt collectors. 

XXXX. Request for Documentation : I have formally requested detailed documentation from both companies to prove the validity of the alleged debt, including the original signed credit application, certified copies of agreements, affidavits of sale, and XXXX filings. Consumers have the right to demand such documentation to ensure the legitimacy of any claimed debt. 

XXXX. Protection of Personal Information : I have expressed concerns regarding the unauthorized processing and sale of my sensitive personal information, which is prohibited under the laws of Indiana and the XXXX of Virginia. Consumers should be aware of their rights to protect their personal data and demand its removal from company records if necessary. 

The nature of my complaint will be shared with similarly situated consumers to help them understand their rights and the steps they can take in similar situations. 
Please find attached a detailed memorandum outlining my case and the specific documentation and information I have requested from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I appreciate the XXXX XXXX XXXX XXXX assistance in investigating this matter and ensuring that both companies adhere to the relevant laws and regulations. 

Thank you for your attention to this urgent matter.