Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB it is my request that you review and assess my concerns below before just forwarding over based on violations. 


Reference # XXXX Although, I have no confidence that my concerns will be properly handled and/or reach the desk of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will not subside. XXXX has yet to properly address my statements as outlined and reiterated below in response to your successive CFPB unsatisfactory responses. I have attached most recent as your reference. 
This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g. I respectfully and humbly ask that your office provide me with competent evidence that I have any legal obligation to pay XXXX. At this time, I will also like to inform you that your offices have reported invalidated information to all three major credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company you represent, I will not hesitate in bringing legal action against your and your client for the following violation of the FCRA, FDCPA, and Defamation of character ( per se ). 
XXXX Statement : We have validated the debt for the consumer more than once. ( Per attached response ) Consumer Response : To date, I have received no proof of validation in accordance with Congress requirements noted in 15 USC 1692g ( a ). Shown below for your reference. 
( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
XXXX Statement : The consumer has an incorrect conception of debt validation. We have validated the debt under the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act Consumers Response : These are not assumptions, as stated above these are all requirements set forth by congress relating to verification requirement for alleged debt. 
There is no grey area, I believe the individuals handling the complaint responses are not well versed in consumer laws and violations surrounding such. If you have provided the above information along with proof of receipt by consumer such as tracking information, etc, please advise. Otherwise, there is no validity to this claim. 

XXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received Consumers Response : This response further violates my rights as a consumer whereas there are no laws governing your request that police report be provided. These are all statements made up by XXXX in efforts to further camouflage their faulty and deceptive business practices. Please provide law supporting your request otherwise you are making up your own request is not legal. 
XXXX Statement : Theconsumer has made incorrect assumptions. XXXX XXXX XXXX Virginia is the owner of this debt. They contended that XXXX XXXX signed up for and used their utility services. 
Consumer Statement : If your statement is in fact true, my question remains unanswered. 

Who provided XXXX with authorization to obtain my information and collect on behalf of XXXX XXXX? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer which I did not provide so therefore whether you are collecting on their behalf of not you have no right without my consent!!!!!!!!!!!!!!! You are not legally able to just go around collecting debt on behalf of someone in which you have no contractual agreement with. There are no laws governing this no should any information have been given to XXXX without consumer permission. 
XXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received. Until that time, the account is on hold, and we will continue to report it as disputed to the credit reporting agencies until we hear from the consumer. 
Consumer Response : The Consumer, never gave XXXX consent to furnish ANYTHING on my consumer report. Pursuant to Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have consent to furnish information. Who gave XXXX authorization? 
There is no federal law that indicates you must furnish anything on my consumer report without my consent. 
Based on my consumer reports, XXXX reflects that my disputes were reinvestigated in XX/XX/2021. Per my last request, Please provide proof with steps taken to investigate. Corresponding Violation : 15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. 
Please provide written response with whom you performed interviews within order to investigate debt XXXX Statement : Our client maintains ownership of their account ; therefore, we service the account on their behalf. 
Consumer Response : If XXXX is truly not a debt purchaser your communication sent out to me is also in further violation and misleading and further justifies my point. If XXXX only works on behalf of client, why is all information listed on my consumer report reflect XXXX? 
Also the attached communication that was submitted to me by XXXX is a direct violation pursuant to 15 USC 1692 ( b ) ( 2 ) which states States that your communication should not state that consumer owes any debt. Please see your communication dated XX/XX/2021 which outlines the violation made by XXXX. 
My request is that be removed from my consumer report immediately due to the violations stated, if account is not removed immediately, I will move forward with legal actions against your company. 
Your bogus company reflects on my consumer report as a charged off debt. IRS categories a charge-off as gross or ordinary income. This should be deleted as income should not be reported on ANY consumer report. This back and forth with XXXX has been extremely stressful and it is my hope that individuals who understand above mentioned violations will be able to comprehend and delete alleged debt to avoid further escalation. 
Thanks, XXXX XXXX XXXX