Product: Debt collection

To Whom It XXXX Concern, I am writing to bring to your attention a serious inaccuracy currently reflected on my credit report. This inaccurate account is not only false, but it also displays potential fraudulent activity that is damaging my credit standing, character, and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I am requesting an immediate investigation and removal of the following account from my credit profile : Account Name : LVNV FUNDING ( Original Creditor : XXXX CREDIT XXXX XXXX  NA ) This account is inaccurately reported as a Collection/Chargeoff and indicates a creditor that I have no relationship with. Additionally, there are signs of fraudulent activity associated with this account, which further violates the standards of accuracy that you are required to uphold under 15 U.S.C. 1681e ( b ), which mandates the maximum possible accuracy of consumer information. 

Due to the false nature of this account, I am requesting that you remove this account immediately from my credit report. Continuing to report this account under such inaccurate and potentially fraudulent circumstances places undue harm on my financial well-being and violates my rights under the FCRA. 

Legal Rights and Requirements Under FCRA : Reasonable Investigation [ XXXX U.S.C. XXXX ] : You are required to conduct a thorough and timely reinvestigation of this dispute within 30 days of receiving this letter. As the information on this account is clearly inaccurate and XXXX involve fraud, I am requesting that you complete this investigation promptly and remove the item from my credit report. 

Fraudulent XXXX and XXXX Standards [ 15 U.S.C. 1681e ( b ) ] : The FCRA obligates you to take all reasonable steps to ensure the accuracy of the data you report. Reporting inaccurate or fraudulent information violates this section of the law. If you fail to comply with this obligation, I will explore all legal options available to me, including civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and negligent noncompliance [ 15 U.S.C. 1681o ].

Prompt Correction or Deletion [ 15 U.S.C. 1681i ( c ) ] : Once an error or fraud has been confirmed, you are required to delete or correct the account immediately. Given that this account is fraudulent and inaccurate, I expect its removal without delay. 

The continued presence of this account on my report is resulting in negative financial consequences, including but not limited to a reduction in my XXXX XXXX, denial of credit opportunities, and damage to my good standing. This is causing me undue hardship and limiting my ability to make significant purchases to provide for my family and build our financial legacy. 

I respectfully request that you expedite your investigation and remove this account from my credit profile immediately. Please send me written confirmation once the account has been deleted from my file, and ensure that all updates are reported to all relevant credit bureaus, including XXXX and XXXX. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution within the FCRA-mandated timeframe. 

Sincerely, XXXX XXXX