Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Valley Collection Service, LLC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Request for Removal of Negative Credit Information Due to Compromised Personal Data Dear Sir/Madam, I am writing to formally request the removal of all negative credit information from my credit report, including student loans, due to the compromise of my personal data in recent cyberattacks attributed to XXXX state-sponsored hackers. These breaches have exposed sensitive information, including my Social Security number, leading to potential identity theft and financial harm. 
In addition to this letter of complaint, I have filed a complaint with the Federal Trade Commission ( FTC ), Report Number XXXX Background : In XX/XX/year>, reports emerged that XXXX hackers infiltrated U.S. government agencies and private sector entities, accessing unclassified documents and personal data. Notably, the U.S. Treasury Department reported a significant breach where hackers accessed workstations and documents through a compromised third-party software provider, XXXX. 
Additionally, XXXX hackers, identified as XXXX XXXX, compromised U.S. telecommunications networks, enabling them to geolocate millions of Americans and intercept phone calls. 



Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy and fairness of credit reporting. The FCRA mandates that information reported must be accurate and complete, and it provides consumers with the right to dispute inaccuracies. 
The Federal Trade Commission ( FTC ) enforces the FCRA and has the authority to take action against entities that violate consumer rights under this Act. 
Request : Given the circumstances of the data breaches and the potential for identity theft, I respectfully request the removal of all negative credit information from my credit report, including any student loans. This action is necessary to protect my financial well-being and to comply with the accuracy and fairness requirements set forth in the FCRA. 
Furthermore, under 15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), governs how debt collectors may communicate with consumers and third parties during debt collection. This letter serves as official written notice of my refusal to pay the following debts and request the collector ( XXXX ) to cease further communication : Original Creditor ( as listed on credit report ) : XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account type Debt Buyer Original creditor ( as listed on credit report ) : XXXX Account name XXXX XXXX XXXX  Account number XXXX Contact info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account type Debt Buyer Original creditor ( as listed on credit report ) : XXXXXXXX XXXX  Account name XXXXXXXX XXXX  Account XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account type Debt Buyer Original creditor as listed on credit report ) : XXXX XXXX XXXX XXXXXXXX XXXX 
Account name XXXXXXXX XXXX  Account number XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX Account type Debt Buyer Account name XXXXXXXX XXXX XXXX  Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account type Collection Account name XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX, GA XXXX Account type Installment Please confirm receipt of this request and inform me of the steps you will take to address this matter. I am available to provide any additional information or documentation as needed. 
Thank you for your prompt attention to this serious issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief