Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX CC : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Final Demand for Immediate Removal of Fraudulent Account and Cease & Desist Notice To Whom It May Concern, This letter serves as a final demand for the immediate removal of the fraudulent account that Resurgent Capital Services has unlawfully acquired from LVNV XXXX and XXXX XXXX. I have repeatedly disputed this account, provided clear documentation proving I have never opened or authorized such an account, and demonstrated that I have never resided at the associated Texas address. Despite my good-faith efforts, Resurgent has failed to provide legally sufficient verification and continues to report this erroneous information in violation of federal law. 
Your actions constitute clear violations of the following consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 You are required to conduct a reasonable investigation when a dispute is filed ( 1681s- 2 ( a ) ( 8 ) ( E ) ). Your continued reporting of this unverifiable account is a blatant violation.

Reporting false or inaccurate information to the credit bureaus is a violation of 1681s-2 ( a ) ( 1 ).

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Under 1692e, debt collectors are prohibited from using false or deceptive means to collect a debt, including falsely alleging that I allowed someone to use my identity.

Under 1692g ( b ), debt collectors must cease collection efforts until proper validation is provided. Your failure to comply with this requirement is unlawful. 
Final Demand & Cease and Desist Order I am demanding written confirmation within 10 to 15 days that this account has been permanently removed from my credit reports. If this account is not removed within this timeframe, this letter serves as formal notice of my demand for an immediate cease and desist, effective immediately, prohibiting Resurgent Capital Services from further reporting, attempting to collect, or otherwise communicating with me regarding this fraudulent account. 
At this point, I will also be taking the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notifying the Federal Trade Commission ( FTC ) regarding potential identity theft and unlawful debt collection practices Submitting a complaint with the XXXX XXXX XXXX XXXX XXXX  ) Escalating this matter to my State Attorney Generals Office for further investigation and legal action Sending a formal email of this dispute to XXXX Sending a certified letter to XXXX XXXX, XXXX of XXXX XXXX XXXX, at the corporate address listed above Notifying XXXX, XXXX, and XXXX to reinvestigate this account and ensure compliance with FCRA regulations Failure to comply with this demand will result in legal action, including potential civil litigation for damages pursuant to the FCRA and FDCPA. This is your final opportunity to correct this matter before further enforcement actions are taken. 
Sincerely, XXXX XXXX