Product: Debt collection

I do not have, nor never have a direct relationship with XXXX, the company whos listed reporting negative debt on my credit report. I have requested proof on numerous occasions, showing that I owe XXXX or have ever had a relationship with XXXX and they have failed to do so, because I have never agreed to any type of agreement to pay XXXX for any type of service. They mention that I owe XXXX  for an unreturned equipment/device, which I returned to T-Mobile in person. Even if I didnt, that would be none of XXXX business, and they have absolutely no right reporting anything concerning XXXX XXXX XXXX I do not and have never had any type of relationship with XXXX XXXX. XXXX reports serious {$XXXX} on my credit file, that I do not owe to them and I demand it to be removed immediately. They failed to provide XXXX proof that XXXX XXXX has a binded agreement, which resulted in an XXXX debt, and they are still illegally shown on my credit file. have tried several times to resolve this matter with XXXX to no avail. XXXX is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privac
y.

-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge
of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consume
r Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States XXXX any person that XXXX violates this title. In such action, such person shall be liable for a civil penalty of not more than {$XXXX} per violation.The credit bureaus have no respect for the laws. XXXX needs to provide a legal binding agreement between XXXX XXXX XXXX XXXX immediately. Failure to do so shall result in their immediate and final removal from ever accessing and reporting on anything in relation to XXXX XXXX or they will be held accountable by way of civil penalty.