Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding the inaccurate and unfair reporting of accounts by XXXX XXXX XXXX and XXXX XXXX XXXX. The continued reporting of unverifiable and incorrect debt violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve this issue directly with the credit bureaus, but they have not provided sufficient verification. I am now requesting immediate action. 

XXXX. Account : XXXXXXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Account Status : Charge-off / Derogatory Amount Past Due : {$3900.00} Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute Details : This account has been charged off and marked as derogatory, significantly impacting my credit.

The company has failed to provide proper validation of the debt, including original signed agreements or a detailed billing history.

Under the Fair Credit Reporting Act ( FCRA ) 1681o, this constitutes negligent non-compliance, as incorrect or unverifiable data should not be reported.

If this account can not be fully validated, it must be permanently deleted from my credit file immediately to remain compliant with federal law. 

2. Account : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX  Account Type : Collection Account Balance : {$10000.00} Date Opened : XX/XX/XXXX Account Status : Open Placed for Collection Dispute Details : This account was placed for collection, but I have not received proper validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite previous disputes, the creditor has failed to provide documentation proving this debt is legally owed. 
Continuing to report unverified debt violates FCRA 1681o ( civil liability for negligent non-compliance ) and subjects the agency to possible legal action.

If valid documentation can not be produced, this account must be deleted from all credit reports immediately. 

Resolution Requested Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Full Debt Validation : Provide original signed agreements, billing statements, and legally required documentation proving the accuracy and validity of the reported debt. If the creditor or collection agency can not produce this evidence, the account must be deleted.

2. Immediate Deletion of Inaccurate or Unverified Accounts : If full validation can not be provided, the accounts should be permanently removed from my credit file with all credit bureaus.

3. Correction of Reporting Errors : Any inaccuracies regarding payment history, charge-offs, or collection status should be corrected.

4. Removal of Negative Marks : If the accounts are deemed unverifiable, I request the deletion of all associated negative marks ( late payments, charge-offs, collections ).

I expect a response within 15 days as required by CFPB regulations. If a resolution is not reached, I am prepared to escalate this matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney Generals Office, the Federal Trade Commission ( FTC ), and legal authorities if necessary.