RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.