Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) where there must be appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

That you the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, the Transunion Credit Reporting Agency located at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the cash app Data Breach that took place in XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within XXXX business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a fraudulent debt collection from XXXX XXXX XXXX account ending in XXXX on my credit report being attempted to be collected from a third party. 

This account has resulted in several fraudulent collections on my report as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer FICO credit report. 

I have attached the credit report and the fraudulent accounts opened. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 

Therefore aforementioned account, collections and hard inquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. 

The Fair Debt Collection Practices Act ( FDCPA ) is the primary federal law that prohibits debt collectors from contacting third parties without the consumer 's consent. The FDCPA also limits what debt collectors can do when trying to collect debts. 
How does the FDCPA apply to debt buyers? 
Debt buyers are considered debt collectors under the FDCPA. 
Debt buyers are prohibited from contacting third parties without the consumer 's consent. 
Debt buyers must follow the same rules as other debt collectors under the FDCPA. 
What does the FDCPA prohibit? 
Harassing, oppressing, or abusing consumers Lying to collect a debt Misrepresenting themselves as someone else Trying to collect more than the consumer owes Threatening consumers with illegal legal actions Wage garnishment without a court order Giving false information about consumers to others Sending anything that looks like a court or government document if it isn't XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 15 U.S. CXXXXe XXXX - Block of information resulting from identity theft stating a block takes place when : a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by theconsumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 


My information was sold and bought Illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted immediately. I am attaching proof that XXXX XXXX XXXX XXXX has admitted fault and In fact that I was a victim of this data breach and XXXX has done nothing. Please help me delete this illegal account from my credit report. 


Thank you for your time I can be contacted at XXXX or telephone number XXXX