XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. 
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. 
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform  and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices. 
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.