Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Cease and Desist & Debt Validation Violation of FDCPA and FCRA To Whom it May Concern, I am writing to formally dispute and demand the immediate cessation of all collection activities related to the alleged debt you are attempting to collect and reporting to the credit bureaus. This debt is not valid, and you have failed to provide proof that you have a legal right to collect it, nor did you obtain my permission to report it. 
Details of the Disputed Collection Account : Collection Agency Name : SENTRY CREDIT INC Original Creditor : XXXX XXXX  Account Number : XXXX Violation of the FDCPA & FCRA Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are required to provide written validation that this debt is legally owed by me. Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are prohibited from furnishing inaccurate or unverifiable information to credit reporting agencies. 
This collection account has been wrongfully reported on my credit file and is now directly preventing me from securing housing for my family and obtaining necessary financial resources. Your companys reporting of this debt without my consent and without proper validation is a clear violation of federal law.

My Demands Under the Law 1. Cease and Desist All Collection Activities Immediately o Under 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all contact with me regarding this debt. You are legally required to stop all further communication unless providing debt validation or notifying me of legal action.

2. Provide Proof of Debt Validation Within 30 Days o You are required to provide the following information within 30 days of receiving this letter : The original creditors name and contact information.

The full accounting of the alleged debt, including itemized charges.

The original signed contract or agreement proving I owe this debt.

Proof that you have legal authority to collect this debt.

3. Remove the Debt from My Credit Report o Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful to report inaccurate, unverifiable, or misleading information to the credit bureaus. Since you failed to provide proof of this debts validity, I demand that you remove this negative item from my credit report immediately.

4. Confirm in Writing That You Will Comply o If you can not validate this debt in accordance with the FCRA and FDCPA, you must notify me in writing that the debt has been deleted from my file and that you will cease all collection activities permanently.

Legal Consequences of Non-Compliance If you do not comply with my request within 30 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney General, and the Better Business Bureau ( BBB ). Additionally, I will consider legal action against your company for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages. 
This letter serves as my official notice that I do not acknowledge this debt and that I demand your company comply with federal consumer protection laws. Please respond in writing to confirm that you have received this dispute and that you are acting accordingly. 
I expect your immediate attention to this matter and look forward to a resolution within the legally required timeframe. 
Sincerely, XXXX XXXX