Consumer complaint received 2023-07-16
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Unit # XXXX XXXX XXXX Neveda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX XXXX : Request for Deletion and Removal of Collection Account Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), Adverse ActioXXXX ( 15 USC 1681a ( k ) ( 1 ) ), Equal Credit Opportunity Act ( 12 CFR Part 1002 ), and Falsely Relying on Information ( 15 USC 1611 ) Dear Sir/Madam, I am writing to formally dispute the collection account opened on XX/XX/2023, in the amount of {$910.00}, which is being reported by your agency without my consent. I hereby request that you immediately delete and remove this collection account from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 

Firstly, I would like to bring to your attention that your agency, XXXX XXXX XXXX, Incorporated, has violated the provisions outlined in the FCRA, specifically 15 USC 1611, by falsely relying on information in this case. I have reason to believe that the information you are reporting is inaccurate, incomplete, and misleading. 

Furthermore, the adverse action taken against me by reporting this collection account without my consent is in direct violation of 15 USC 1681a ( k ) ( 1 ). According to this provision, adverse actions must be taken based on accurate and verified information, which I contest in this matter. 

Additionally, the Equal Credit Opportunity Act ( 12 CFR Part 1002 ), particularly section 1002.7 ( a ), mandates that credit agencies must provide accurate and reliable information when evaluating an individual 's creditworthiness. By reporting this collection account, which I dispute, your agency is not adhering to this requirement. 

As a diligent and responsible consumer, I believe it is essential to provide factual and valid proof of the existence of the debt in question. Therefore, I request that you furnish me with a notarized original account ledger, verifying the debt with the original creditor. This documentation will help ensure the accuracy and legitimacy of the alleged debt. 

I would also like to emphasize that I have maintained a commendable credit history and have consistently demonstrated my creditworthiness. I am Credit Worthy therefore I expect this matter to be resolved promptly and for the collection account to be deleted from my credit report accordingly. 

Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Failure to respond or address this matter adequately will leave me with no choice but to seek legal remedies to protect my rights and rectify the inaccuracies on my credit report. 

Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this dispute. I can be reached at the contact information provided below. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation