Product: Debt collection

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX   Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   XXXX XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Georgia office of Attorney General To : 1St Franklin Financial XXXX XXXX XXXX XXXX GA XXXX  RE : I recently reviewed my credit report from all three of the major credit bureaus and I saw that 1st Franklin Financial recently has report damaging information about me. You even reported a balance. I am actively disputing this information with the credit bureaus. Under the FACTA laws, you are required to conduct an investigation upon a consumers request. FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher. It is the duty of persons in charge after receiving this notice of dispute to initiate a full investigation on this account. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) Conduct an investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the notice ; ( 3 ) Complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611. ( a ) Within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ). If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. Please provide a complete breakdown of the balance due and specify if any erroneous fees were added without merit. Please give an accurate account of when the first payment made and when the last payment was made on this account to make sure that your office is reporting accurate information with in the statute of limitations to report and collect the amount owed.

Im also appalled by the methods of skip tracing used to contact me by 1st Franklin Financial. This is a violation of the FDCPA section ( s ) 805 Communication in Connection with of Debt, 806 Harassment and Abuse. I have sent 1st Franklin Financial 2 separate Cease and Desist letters dating from XX/XX/XXXX- XX/XX/XXXX and both times this company has violated my rights as a consumer. I have not authorized 1st Franklin Financial access to my credit reports, the status of my current mailing address, the status of my drivers license and other methods that would be used to contact and used to harass me. As ofXX/XX/XXXX in the XXXX County Court system your civil case XXXX was dismissed, yet your company still persist in contacting and harassing me! Moving forward should there be any such a need to contact me you will now have to contact my attorney XXXX XXXX XXXX of XXXX XXXX XXXX. The info to my attorney is provided up above. I am demanding that your company investigate this account and also cease and desist all communication attempts!

Sincerely, XXXX XXXX XXXX