Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED COLLECTIONS AND FRAUDULENT CREDIT REPORTING IN VIOLATION OF FEDERAL LAW To the Consumer Financial Protection Bureau, This is a formal legal demand for the immediate and unconditional deletion of fraudulent, inaccurate, and unverified accounts and inquiries reported on my credit file. The following entries constitute egregious violations of federal consumer protection statutes and criminal laws. You are now officially notified. 

I. Violations of Federal Statutes : The furnishers and credit bureaus are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to validate debts under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate disputed items under the Fair Credit Reporting Act ( FCRA ) 18 U.S.C. 1001 Knowingly reporting false information to federal agencies 18 U.S.C. 1341 and 1343 Mail and wire fraud, given their continued transmission of false data XXXX. Specific Accounts in Violation : The following accounts are completely unverified, and no original contract, chain of custody, or itemized accounting has ever been provided : DIGITAL XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Reported without legal substantiation or contract Additionally, the following are falsely reported charge-offs, constituting credit defamation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the following hard inquiry was made without my knowledge, authorization, or permissible purpose, in violation of 15 U.S.C. 1681b : XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX. Demand for Full Deletion ( Not Dispute Notation ) : This is a non-negotiable demand that the above accounts and inquiries be : Deleted entirely and permanently from all consumer reporting agencies ( XXXX XXXX XXXX ) Not suppressed, marked " disputed, '' or delayed pending reinvestigation they must be removed entirely The continued furnishing and reporting of these accounts and inquiries, despite lacking contractual proof, constitutes willful misconduct, gross negligence, and fraudulent misrepresentation under federal law. 

IV. Consequences of Continued Noncompliance : Should these false entries remain, I will pursue the following actions immediately : File formal complaints with the FTC, OCC, and State Attorney General Initiate civil litigation under the FDCPA and FCRA for damages, legal fees, and equitable relief Submit bar complaints if legal counsel is found complicit in false credit reporting Refer the matter for criminal prosecution under 18 U.S.C. 1001, 1341, and 1343 for wire/mail fraud and false reporting FINAL WARNING : This is your final opportunity to act in good faith. If you fail to delete these items immediately, you will be held legally liable, and litigation will follow without further notice. 

Respectfully,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation