Product: Credit reporting or other personal consumer reports

This account is being reported to reporting agencies as a charge off at the same time reporting and having it in collections. I called XXXX XXXX on XX/XX/year> inquiring the automative system asked for my social security number once entered I informed by their automative system that charge off account was sold to an outside collection agency by the name of XXXX XXXX XXXX XXXX. The customer service representative confirmed the information. This account is currently showing closed and a charge off/collection. 

Formal Complaint Against XXXX XXXX for Violations of Federal Law To : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Overview of Violations XXXX XXXX has violated my rights under multiple federal laws, specifically : 15 U.S.C. 1666B ( Timing of Late Payments ) Failure to provide proper notice before payment due dates.

15 U.S.C. 1637 ( b ) ( Periodic Statements Requirement ) Failure to send periodic billing statements.

15 U.S.C. 1681s-2 ( a ) ( 7 ) ( Notice of Negative Information ) Failure to notify me before reporting negative information to credit bureaus. 
Failure to Provide Proof of Receipt No certified or return receipt documentation showing I received these required notices.

1. Violation of 15 U.S.C. 1666B Failure to Provide Adequate Notice Before Payment Due Date Under 15 U.S.C. 1666B, creditors must provide consumers with a reasonable period to make payments, including a notice of due date at least 21 days before the payment deadline. 

XXXX XXXX failed to provide me with any documented notice at least 21 days prior to my due date, making it impossible for me to ensure timely payment. As a result, I may have been subjected to unjust late fees, penalties, and negative credit reporting, in direct violation of my rights under the Truth in Lending Act ( TILA ).

2. Violation of 15 U.S.C. 1637 ( b ) Failure to Send Periodic Billing Statements Under 15 U.S.C. 1637 ( b ), creditors are legally required to provide periodic billing statements that include : The amount due, The due date, Interest rates, and Any applicable fees or penalties. 
I never received these periodic billing statements from XXXX XXXX, preventing me from tracking my account status, disputing charges, or making informed financial decisions. This failure directly violates federal law and denies me my rights as a consumer.

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to Send Notice Before Reporting Negative Information Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), a creditor must send written notice to a consumer before reporting negative information to any credit reporting agency. 

XXXX XXXX never provided me with this required notice before reporting negative information about my account. This failure damaged my credit standing without giving me an opportunity to address or dispute the issue, violating my rights under the Fair Credit Reporting Act ( FCRA ).

4. Failure to Provide Certified Proof of Documentation or Signed Acknowledgment XXXX XXXX has never provided certified proof that I : Received a 21-day notice before my payment due date.

Received periodic billing statements as required by law. 
Received a negative information notice before credit reporting. 
Signed or acknowledged receipt of any of these documents. 
I formally request certified/return receipt proof showing when and how these required notices were sent to me. If XXXX XXXX can not provide this proof, it further confirms their noncompliance with federal law.