Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Dispute Regarding Fraudulent and Illegal Reporting on XXXX Credit Report Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my XXXX ( XXXX ) credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. 

Additionally, I am filing a complaint against XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for illegally re-aging and repeatedly charging off these accounts, thereby resetting the 7-year reporting period. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I am disputing an erroneous collection account from XXXX XXXX, which has been inaccurately reported and must be immediately removed. 



Legal Grounds : The following violations of federal law are applicable to this dispute : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within 4 days.

15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts.

15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages.

15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines.

15 U.S.C. 1681s-2 ( b ) Requires furnishers of information to conduct a reasonable investigation upon notice of dispute and prohibits the continued reporting of inaccurate information. 



Disputed Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Violation : Re-aging and repeated charge-offs, resetting the XXXX reporting timeline illegally. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Violation : Re-aging and repeated charge-offs, violating the FCRA. 

XXXX. XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Violation : Re-aging and repeated charge-offs, manipulating the credit reporting period. 

XXXX XXXX XXXX  ( Collection Account ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Violation : Reporting an inaccurate collection account in violation of the FCRA and FDCPA. 



Violations and Demands : XXXXXXXX XXXX XXXX  ) is illegally reporting negative information from fraudulent and inaccurate accounts, which violates the FCRA. This is especially concerning given XXXX ongoing legal challenges for inaccurate credit reporting practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are manipulating charge-off dates and re-aging accounts to unlawfully extend the 7-year reporting limit, violating 15 U.S.C. 1681c. 
XXXX XXXX is reporting a collection account that is inaccurate and not legally verifiable under the FDCPA. 
4.Under Section 605B, I demand the immediate removal of all fraudulent and inaccurate accounts within 4 days. 
5.Under 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies.

6.Under 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages. 
7.Under 15 U.S.C. 1681s-2 ( b ), I am demanding that XXXX and the furnishers conduct a reasonable investigation into the disputed accounts. If they fail to investigate and correct the inaccuracies, they will be held liable for non-compliance under federal law. 



Non-Compliance Law : Under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), failure to comply with federal credit reporting laws may result in : Actual damages sustained by the consumer due to noncompliance ; Statutory damages of up to {$1000.00} for each violation ; Punitive damages awarded by the court ; Reasonable attorneys fees and court costs. 

XXXX and the furnishers are hereby put on notice that any failure to investigate and remove these fraudulent accounts within the legally mandated time frame will result in legal action seeking full financial restitution, statutory damages, and punitive damages under these laws. 



Arbitration Demand Against XXXX : Under the terms of XXXX user agreement and the Federal Arbitration Act ( XXXX XXXX. XXXX ), I am invoking my right to arbitration to resolve this dispute. XXXX failure to accurately report credit information and refusal to correct fraudulent and inaccurate data constitutes a breach of its contractual obligations and a violation of the FCRA. 

I demand that XXXX immediately : Remove the fraudulent and inaccurate accounts listed above. 
Cease reporting these accounts to third parties. 
Provide written confirmation of the removal and correction of my credit report within 4 days of receiving this letter. 

Failure to comply with these demands will result in arbitration proceedings, where I will seek compensatory, statutory, and punitive damages for XXXX violations of the FCRA and other applicable federal laws. 



Cease and Desist Notice ( Consumer Law Protection ) : Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) and the Cease and Desist Consumer Law, I am issuing a formal Cease and Desist notice to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX You are hereby instructed to immediately cease all collection efforts, including phone calls, letters, and electronic communication regarding the accounts listed above. Any further communication, harassment, or attempt to collect on these fraudulent accounts will constitute a direct violation of the FDCPA and the Cease and Desist Consumer Law. 

Failure to comply with this Cease and Desist order will result in legal action, where I will seek statutory damages, punitive damages, and compensation for emotional distress under the full extent of the law. 



Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.