Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Dispute & Formal Complaint Fraudulent Collection Account from Credit Collection Services ( Original Creditor : XXXX XXXX XXXX Reported Only on XXXX To Whom It May Concern, I am formally disputing an inaccurate, fraudulent, and unverified collection account that appears exclusively on my XXXX credit report under Credit Collection Services ( Original Creditor : XXXX XXXX ) with a balance of {$XXXX} as of XX/XX/year>. I have XXXX knowledge of this debt, have never received validation, and its reporting is a direct violation of federal law. 

XXXX is already under multiple lawsuits for failing to maintain accurate consumer reports, and this is further proof of their reckless disregard for compliance with federal law. I am demanding immediate deletion of this account under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Violations of Federal Law & Demand for Immediate Deletion 1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a proper investigation when a consumer disputes an account.

1681e ( b ) : Credit bureaus must ensure maximum possible accuracyyet XXXX has reported an unverified and potentially fraudulent collection account with no basis.

1681b ( a ) : Reporting this debt without permissible purpose violates my consumer rights.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692g & 1692e ) 1692g ( b ) : I have never received proper validation of this debt from Credit Collection Services.

1692e ( 8 ) : Reporting a disputed debt without marking it as disputed is a deceptive practice under the FDCPA. 
3. Experians Ongoing Legal Issues & Pattern of Misconduct XXXX is currently facing multiple lawsuits for their failure to ensure accurate credit reporting and ignoring consumer disputes. 
Their history of negligent investigations is well-documented, and I refuse to be another victim of their reckless credit reporting practices. 

CFPB & XXXX : Action Required Immediately I am demanding that both the CFPB and XXXX take immediate corrective action by : 1. Removing this fraudulent and unverified collection account from my XXXX credit report immediately. 
2. Conducting a full investigation into Credit Collection Services reporting practices. 
3. Holding XXXX accountable for failing to ensure accuracy in accordance with federal law. 
4. Providing a detailed response and resolution within XXXX  days, as required by the FCRA. 

If this issue is not resolved immediately, I am prepared to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), state Attorney General, and seeking legal action for damages resulting from this illegal reporting. 

I have attached a copy of my XXXX credit report highlighting this fraudulent account, and I expect a swift and lawful resolution. 

Failure to act within the required timeframe will result in further legal action. 

Sincerely, XXXX XXXX XXXX