Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX [ Date ] XXXX Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Unlawful Contact CFPB Case XXXX XXXXXXXX To Whom It May Concern, I am writing to formally demand that XXXX  immediately cease all phone communication regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) , referenced as Case # XXXX. As stated in my original complaint, I only consent to communication via email or through the CFPB portal. However, despite my clear directive, XXXX has repeatedly harassed me with phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Furthermore, the information I requested was not provided. I specifically asked for confirmation that my personal information would only be used for identification purposes and not for any other reason. XXXX has failed to provide this assurance, which raises serious concerns regarding potential misuse of my personal data. 

Your continued phone contact, failure to provide requested information, and refusal to acknowledge my privacy rights constitute a violation of my constitutional rights, the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. Your actions demonstrate a disregard for consumer rights and an unlawful attempt to impose additional burdens beyond what is legally required. 

Legal Violations and Basis for Dispute XXXX. Fair Credit Reporting Act ( FCRA ) Consumer reporting agencies must conduct a reasonable investigation and can not impose arbitrary barriers to dispute resolution. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692d Continuous phone contact after explicit instructions to communicate only in writing may constitute harassment. 


XXXX. Constitutional Protections Demanding excessive documentation without justification and failing to ensure the protection of my personal data may violate my due process rights and consumer privacy protections. 


XXXX. Failure to Provide Requested Information XXXX has not confirmed that my personal information is being used solely for identification purposes, which raises concerns under privacy and consumer protection laws. 


XXXX. Relevant Case Law Courts have ruled that consumer reporting agencies must follow statutory protections and can not impose unnecessary hurdles ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 



XXXX Demands Cease all phone communication immediately. Any further contact by phone will be considered harassment and may result in additional legal consequences.

Confirm in writing that my personal information is being used strictly for identification purposes and will not be used for any other reason.

Process my dispute without imposing unnecessary or unlawful documentation requirements. You are required to conduct a reasonable investigation without infringing on my rights.

Provide written confirmation that you will comply with my demands and respect my legal rights.

Legal and Regulatory Actions Due to your infractions and violations of my rights, this account is now under litigation. Additionally, I will be filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ) to report your unlawful actions. If this matter is not resolved immediately, I will explore all legal remedies available, including seeking damages for harassment, failure to provide requested information, and violations of consumer protection laws. 

This letter serves as formal legal notice of your violations. Failure to comply will result in further legal action without additional notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX [ Date ] XXXX  Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Notice To Whom It May Concern, This letter serves as a formal Cease and Desist notice regarding your continued and unlawful attempts to contact me by phone, despite my explicit request to only be contacted via email or through the Consumer Financial Protection Bureau ( CFPB ) portal. Your actions constitute harassment and a violation of my legal rights under multiple consumer protection laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692d Consumer privacy and constitutional protections I am demanding that XXXX immediately stop all phone communications with me, including any future calls, voicemails, or any form of verbal contact. Any further violations of this directive will be documented as harassment and may result in legal consequences.

Furthermore, you have failed to provide the information I requested, specifically confirmation that my personal information is only being used for identification purposes and not for any other reason. Your refusal to provide this information raises serious privacy concerns, which I will be addressing with the appropriate regulatory agencies.

Legal and Regulatory Actions Due to your repeated infractions, this account is now under litigation. Additionally, I will be filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ) regarding your violations.

This Cease and Desist notice serves as formal legal notice that I do not wish to receive any further phone contact from XXXX. Failure to comply will result in further legal action without additional notice. 

Sincerely, XXXX XXXX