Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Dispute Regarding Fraudulent Collection Account Dear Sir/Madam, I am writing to formally lodge a complaint against Professional Collectors Corp. for their repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below is a detailed account of the situation regarding a fraudulent debt collection account that has erroneously been placed on my credit report. 

Initial Dispute : On XX/XX/XXXX, I submitted a written dispute to Professional Collectors Corp. regarding an account they claim I owe. I informed them that : I have no knowledge of this account. 
I have never conducted business with the company or received any goods or services from them. 
The account was erroneous and appeared on my credit report fraudulently. 
I requested that they provide factual proof, such as signed contracts, agreements, or proof of services rendered. However, they failed to produce any valid documentation to substantiate their claim. Instead, they sent a billing statement, which does not constitute proof of debt or a legitimate business relationship. 

Follow-Up Communication : On XX/XX/XXXX, I followed up with Professional Collectors Corp. , notifying them that they were in violation of my rights under the FCRA. Despite being unable to provide any evidence of the alleged debt, they continued to pursue the collection.

Credit Bureau Disputes : Concurrently, on XX/XX/XXXX, I disputed the account with all three major credit reporting bureaus, indicating that the account did not belong to me. As a result of these disputes, the collection account was removed from my credit report on XX/XX/XXXX. 

Reappearance of Fraudulent Account : Despite the account being removed, the collection reappeared on my credit report on XX/XX/XXXX. This reappearance is a clear violation of my rights, as Professional Collectors Corp. has yet to provide any legitimate evidence of the debt. 

I have attached the following documentation to support my complaint : Copies of the dispute letters I sent to Professional Collectors Corp . 
Their response letter and the billing statement they provided ( which lacks sufficient proof of debt ). 
Evidence of the collection being removed from my credit report on XX/XX/XXXX. 
A record of the collection account reappearing on my credit report on XX/XX/XXXX. 
Violations : Professional Collectors Corp. has violated the following : FCRA ( 15 U.S.C. 1681 ) : Re-reporting inaccurate and unverifiable information on my credit report.

FDCPA ( 15 U.S.C. 1692 ) : Failure to provide validation of the debt upon request.

Resolution Demanded : I am demanding that this fraudulent collection account be permanently removed from my credit report and that Professional Collectors Corp. ceases all collection activity immediately. Furthermore, I request that appropriate action be taken against the company for their repeated violations of federal laws. 

I trust that the CFPB and FTC will investigate this matter thoroughly to ensure my rights are upheld. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX