Product: Credit reporting or other personal consumer reports

I write to address multiple discrepancies on my credit report and to bring to your attention the various violations made by your organization in accordance with United States Code Laws.

1. Personal Information Challenge : I challenge the following personal information : As per 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy, I regard my hard inquiry and account information as private. Your reporting of accounts that are not mine is a breach of my privacy rights.

2. FDCPA 807 - Misleading False Reporting : The information you have reported wrongly suggests to future creditors that I initiated all these inquiries and accounts. In reality, these were actions of a scammer. This misrepresentation on your part violates the FCRA laws for fairness.

3. 15 USC 1681n Civil Liability for Willful Noncompliance : You've accepted and reported credit information about me without proper verification, making you potentially liable for up to {$1000.00} per violation.

4. 18 U.S. Code 1028A - Aggravated Identity Theft : Sharing my information without my prior consent makes you criminally liable for aggravated identity theft, punishable for up to 2 years.

5. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) Obligations for Personal Information Disclosure : Your failure to disclose my right to opt out of information sharing is deceptive. My consumer rights have been violated due to your omission.

6. FDCPA 8012 - Furnishing Deceptive Forms : You reported inquiries and accounts without proper validation, contravening the GAAP requirements.

7. Reporting Discrepancies : Your reporting indicates I owe a debt without displaying any negative balance. This is misleading.

8. 15 U.S. Code 1692f Unfair Practices : Your conduct suggests several violations, including unauthorized collection of amounts and the use of misleading symbols on mailed communication.

9. 15 U.S. Code 1602 - Definitions and Rules of Construction : The information you provided relating to me is inaccurate, violating 15 USC 1681s-2.

10. Claims of Harassment and Abuse : Per FDCPA 806, I feel harassed and abused due to the continuous reporting of inaccurate items and unwarranted communications from creditors.

11. Identity Theft and Unauthorized Sharing : My information was illegally shared and used without my genuine consent, resulting in a case of identity theft as defined by Section 1581a ( 3 ).

12. Reporting Inaccuracies : Your reporting of late payments without clear definitions in TILA, FCRA, and FDCPA is deceptive and violates FCRA laws.

13. 15 U.S. Code 1692j Furnishing Certain Deceptive Forms : Any contract signed without my participation in the debt collection violates 15 USC 1692j.

14. Requests Pertaining to Debts : I am the original creditor, and only I can validate any debts. The debts reported by you are unvalidated and must be removed.

15. 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : You have acted without my written consent, which equates to identity theft. 

I, XXXX XXXX did not consent to, authorize, or benefit from any of the reported inquiries or accounts. These are inaccurate, and I demand their removal. I've attached an FTC report # XXXX confirming identity theft incidents in my name. You are required by 15 U.S. Code 1681c2 to complete this reinvestigation and block or update all information resulting from identity theft within 4 days of receiving this letter.

THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.

Also, 15 USC 1681n defines Civil liability for willful noncompliance : in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Under 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS. I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute Reason : According to the Fair Debt Collection Practices Act ( FDCPA ), the agent is in breach of 15 U.S.C. 1692e, which prevents the dissemination of false or misleading information, and 15 U.S.C. 1692j, which bars the provision of deceptive forms. Furthermore, as stipulated by 15 U.S.C. 1692g, I should have received a written notification regarding this issue at least five days prior, but this was not done. Being the only original creditor, I hold the sole right to authenticate this debt. Therefore, I HEREBY DECLARE THAT I DO NOT RECOGNIZE THIS DEBT.

Dispute Instruction : According to the provisions of 15 USC 1692g, 15 USC 1681b, and the Fair Credit Reporting Act ( FCRA ), I have not granted any permission for your agency to list this public record on my credit report. For all accounts mentioned above, I require verification and validation of every detail including notations, dates, and balances, irrespective of their reported status. I also request evidence of your verification method, and the specific details that correspond with mine. Absent precise matches, the account must be removed immediately in accordance with the FCRA. Pertaining to 15 USC 1605, 15 USC 1666b, 15 USC 1681a, and 15 USC 1681i ( 2 ) ( A ) ( i ), any reported late payments on this account must be promptly removed. This account has always been current, and proof should be available demonstrating that any statements were mailed to me at least 21 days prior to any due payment. As per FCRA Sections 605, 609, and 623, I request this evidence. Additionally, as this is listed as a collection account, the collecting party must authenticate the survivability of this debt, their ownership of the debt, their collection rights, and that all their details align with the original creditor. Without such proof, the entry must be deleted. Finally, as outlined in 15 USC 1681b related to the permissible purposes of consumer reports : it is expressly articulated that a consumer reporting agency may provide a report in line with the written instructions of the associated consumer. The record of this account is erroneous ; I have never defaulted on my payments.

Kindly update the status to reflect accurate, timely payments.

I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer XXXX XXXX and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. 

We have also involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. Erroneous RESULT OF the Equifax XXXX XXXX Breach Direct Violation 15 USC 1681 Reporting incorrectly. THESE INQUIRIES & ACCOUNTS ARE inaccurate across all 3 Bureaus : XXXX, XXXX, and Equifax. 

Furthermore, I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation. I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or monies as a result of one or more of the transactions that I am seeking to block. If I received goods and services, then please have a senior executive certify under the penalty of perjury that I, in fact, received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Additionally, I request that you send me a validation of all debts according to GAAP. If you can not do that, then you must remove them. 


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