Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXXXXXX  for Unfair Credit Reporting Practices Dear CFPB , I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX , which has engaged in practices that I believe violate consumer protection laws, specifically regarding credit reporting and debt collection. 

This case arises from a dispute over a rent-to-own agreement involving a trailer, where I contend that the repossession of the trailer by the Defendants, XXXX XXXX XXXX and XXXX XXXX XXXX was conducted in violation of the terms of the agreement. I was not the original party to the agreement, and I assert that the repossession was unwarranted and contrary to the understanding of the contractual obligations. 

Central to my claim is the assertion that XXXX XXXX XXXX website falsely advertised their rent-to-own program, promising tailored ownership solutions with no credit check, low monthly payments, and no hidden fees or penalties. These representations were misleading and not honored, as the repossession occurred despite the completion of the payment terms, which should have resulted in the secure placement of the asset on my property. 

Furthermore, I allege that the actions of XXXX XXXX XXXX amounted to tortious interference with my contractual relationship with XXXX XXXX XXXX. My period of illness contributed to misunderstandings regarding the payment schedule, yet the repossession proceeded, causing significant financial and personal distress. 

I am seeking {$5000.00} in damages, claiming that the Defendants actions constituted fraudulent behavior and false advertising, leading to financial harm and emotional distress. The legal issues at hand involve whether the Defendants breached their contractual obligations and whether XXXX XXXX XXXX unjustly interfered with my business expectancy, given the circumstances surrounding my illness and the alleged misrepresentations on the XXXX XXXX XXXX website. 
Additionally, I would like to address the following points : 1. **Misleading Advertising** : The company promotes itself as a rent-to-own option that does not require a credit check. However, I was surprised to find that they reported a delinquent item on my credit report related to an outstanding balance of {$800.00}. This action has negatively impacted my credit score and my ability to secure future credit.

2. **Fair Debt Collection Practices** : I believe that the collection practices employed by [ XXXX XXXX XXXX ] may not be in compliance with the Fair Debt Collection Practices Act ( FDCPA ). The reporting of this debt without proper notification or opportunity to resolve the matter is concerning. 

XXXX. **Validity of the Debt** : I request clarification on the validity of the reported debt. I have not received adequate communication regarding the outstanding balance, and I would like to see evidence of the original agreement and any related communications. 

4. **Statute of Limitations** : I am also concerned about whether the statute of limitations for this debt has expired, which could affect the company 's ability to collect this amount. 

I kindly request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX and XXXX XXXX XXXX for their unfair practices. I believe that consumers should be protected from misleading advertising and unfair credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt response.