Product: Debt collection

Subject : Formal Complaint Against XXXX for Violations of Federal Debt Collection Laws To Whom It May Concern, I am writing to formally lodge a complaint against XXXX for multiple violations of federal consumer protection laws. Despite my numerous attempts to resolve the issues directly with XXXX, I have been met with noncompliance, lack of transparency, and repeated disregard for my rights as a consumer. Below, I detail the issues and specific violations of the law : Failure to Notify of Negative Credit Reporting : XXXX reported a negative entry on my credit report without providing me prior notice as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 7 ). This law mandates that a creditor must notify a consumer within 30 days before furnishing negative information to a credit reporting agency. I was blindsided by this report and was never given an opportunity to dispute or address the alleged debt. 

Failure to Notify of the Debt and Denial of Opportunity to Dispute : XXXX never notified me of this alleged debt or provided me with the opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This omission violates my rights to receive proper notification and dispute the validity of the debt within 30 days of such notice. 

XXXX XXXX the XXXX of Limitations : The alleged debt is past the statute of limitations for collection in my state. Despite this, XXXX continues to report and pursue the debt, which is both deceptive and unfair under FDCPA, 15 U.S.C. 1692e ( 2 ) and 15 U.S.C. 1692f.

Duplicate Reporting on My Credit Report : XXXX has reported the same alleged debt twice on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates accurate reporting of consumer information. This duplicate reporting has caused further damage to my creditworthiness and financial reputation. 

Refusal to Provide Debt Verification : have repeatedly requested verification of the debt under the FDCPA, 15 U.S.C. 1692g ( b ). Specifically, I asked XXXX to provide the purchase agreement or original account details to substantiate the validity of the debt and confirm that it is indeed mine. XXXX has failed to comply with this request and has instead stated that the debt has been sold to another company. This refusal to verify the debt violates my right to obtain validation and raises concerns about their record-keeping practices. 

Hindering My Ability to Resolve or Dispute the Debt : XXXX actions have prevented me from resolving this issue in good faith. By failing to provide necessary documentation and notices, they have obstructed my ability to verify the debt or dispute its validity. This is a clear violation of consumer protection principles enshrined in both the FDCPA and FCRA. 

Steps Taken to Resolve the Issue : I requested validation of the debt from XXXX, but they failed to provide the necessary documentation. 

I asked for a copy of the purchase agreement to determine if the debt truly belongs to me, and this request was ignored. 

I attempted to address the reporting discrepancies on my credit report, but XXXX has been uncooperative in correcting or clarifying the information.